<prompt> Human: Hey guys, first time posting on here so I appreciate any help that I can get. TL;DR at the bottom.I am a 21-year-old from WA who has moved out and started a credit account. I started banking with BoA when I was 15 or so and decided recently that I would open an account with a credit union BECU and build credit through them. When I went in to open my account, I was denied. Even for a simple checking account.They came back and asked me if I owed any money to banks or retailers and I said no, which was my genuine belief. My credit score was somewhere in the 650s according to Chex Systems. After doing my research I found that my mother had opened a credit account with a department store in my name, back when I was 17. I remember her doing it, but I didnt truly understand the effect it would eventually have on my credit.She had one late payment in September of 2013 and the card has since expired. Ive tried to dispute the claim with Equifax and Chex Systems. I asked for my credit report twice from Chex Systems and never got it in the mail. I tried calling them with no luck robots. I tried Equifax today and it was unavailable online from annualcreditreport.com. I need a confirmation number from my credit report to file a dispute with Equifax.Ever since the first time I was denied I have been working hard to build up my credit score through BoA. I tried again about 6 months after the first attempt, and I was denied again. My Chex Systems credit score came back as 4 zeros. Thats not possible, is it?I confronted my mom over Thanksgiving and told her I would be disputing the claim. She said that would be OK. Then today I went over to grab some things and I came to find out that she opened ANOTHER credit card with THE SAME department store, with me as a authorized user, telling me to go buy some clothes.In short, wtf do I do. I dont want to bank with BoA because of the fees. I want to be financially independent but my mom is still trying to hold my hand. I worry that this is going to come back to bite me as I grow older.TL;DR My mom keeps opening accounts without asking and its ruining my efforts to be a financially independent adult. I keep hitting roadblocks trying to fight this.  <response>: Chex Systems has nothing to do with credit, or credit scores.They collect records from banks on checking accounts, specifically badfloatedkited checks. If you wrote bad checks, you end up in Chex Systems. If you get a credit card, they have nothing to do with that. 