No, no, no. Your parents history doesn't affect you in such a way!!!! (Unless you live with them and only in very certain ways) Thank God because my parents are scumbags. My dad is flagged in car insurance databases. When I get a car insurance quote they ask me "who is [my dad]?" I say "he's my dad and I don't live with him and he doesn't have access to my car." They say "OK" and we move on.

You also don't have to start building debt. Having a credit card you don't use is enough.