The good news is that if you have no student loans and are looking at only Stafford loans or Perkins loans, credit history is not a factor. These programs are based on your financial need. Private student loan programs, however, do look at your credit history and worthiness.
Loans designed for parents, whether federal or private, also have a credit component.
Request the reports by mail, phone, or Internet. The cost is minimal or may even be free in some states or under some circumstances. Social security number. Date of birth. You can repair your history if there are errors.