<prompt> Human: Hi personal finance, I appreciate everyone how takes the time to read, because I am in the need of some of advice. The situation:I will graduate from university in the spring, I currently hold two part time jobs, and have a succession plan to be brought on full time at one of my current jobs. I need advice on how to set myself up to be financially independent. I dont mean not having to work for money, but I mean not having anyone else involved in my finances. The problem: My parents has a problem with taking money out of my accounts when theyre behind on something. I dont know if I have any credit. I know they have credit cards that I have my name on them, but I dont know if theyre actually in my name or if I was just listed as a card holder. They also try to dictate what I spend my money on. The plan:I currently have a savings account and checking account under my parents name and account maybe, Im not entirely sure how it works. Technically I believe theyre in my name but were all under one account. I want to transfer these accounts to a new bank in my current location. From what Ive gathered from reading PF, its best to have a checking and savings account at a credit union. This is what I would like to do as we currently use a credit union and Ive had positive experience. Id also like to open a credit card account at a major bank local major banks include BoA, Chase, and Wells Fargo.My questions: Is there a way I can check my credit, to see if the credit cards were actually in my name and to see if theyre still using them? Do I need their permission to transfer my current accounts? Is it relatively easy to open a new account at a different bank, do I just go in and explain the situation and they can transfer them? Does anyone have recommendation for which banks to use or which credit cards to get? I know they all have their own indivisible pros and cons but Im not really sure what any of them are. Any advice is truly sincerely appreciated. I apologize for my cluelessness, but Im trying to learn so I cant get myself set up to be independent. Assistant: I dont know if I have any credit. You need to know. Get a copy of your credit report.I know they have credit cards that I have my name on them, but I dont know if theyre actually in my name or if I was just listed as a card holder.Thats really not okay. If you didnt apply and if they applied for those cards in your name, its identity theft and fraud.They also try to dictate what I spend my money on.They have no power over you.I currently have a savings account and checking account under my parents name and account maybe, Im not entirely sure how it works. Technically I believe theyre in my name but were all under one account.Sounds like a joint account, which is not what you want. Your money needs to be independent from theres.I want to transfer these accounts to a new bank in my current location.You might not be able to. In a joint account, its no longer your money but its their money. Even if you only take out specifically what you put in minus your own expenditures, youre dealing with a whole lot of legal issues now.From what Ive gathered from reading PF, its best to have a checking and savings account at a credit union.That and online banks. Id also like to open a credit card account at a major bank local major banks include BoA, Chase, and Wells Fargo.Only if you can avoid getting hit with monthly charges, e.g. direct deposits or minimum balance. If you cant, Id heavily suggest online banks as well.Is there a way I can check my credit, to see if the credit cards were actually in my name and to see if theyre still using them?annualcreditreport.com. You can also use CreditKarma, which doesnt use a FICO score but pulls from the same report. Its good for keeping track of the individual details of your credit report.Do I need their permission to transfer my current accounts?If it is a joint account, youre going to need a lawyer but Im leaning towards yes.Is it relatively easy to open a new account at a different bankYes. Ive only ever needed my SSN.do I just go in and explain the situation and they can transfer them? Unsure. Again, heavily depends on the law and the status of your current account.Does anyone have recommendation for which banks to use or which credit cards to get? Banks: Local reputable credit unions and online banks like Schwab, Ally, etc.Credit Cards: Not something you should be thinking about. Get your credit report and cancel any cards your parents have under your name first ASAP.Human: I just tried to create a Credit Karma account to find my records, and an account has already been made in my name under my parents email address so I cant access it. Further advice?  <response>: Look at annualcreditreport.com.Youre also going to need to cut off your parents. This means closing your accounts and putting a freeze on your credit. 