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I can't believe it, I just got denied a checking account at my local credit union (I already have a savings account there). I tried to get one because my new employer, Nintendo, would like to do direct deposits. Apparently, my credit is so very bad, I couldn't even qualify for a checking account!Well, I'm going to get a credit report for free since I was denied, then I'm going to dispute whatever is on there. Why? I just turned 18 this year, so nothing should be on there in the first place. The thing is... I have my dads name. He's got horrible credit, so maybe his is mixing with mine. The representative thinks this is the case, as it makes the most sense. Anyways, it still sucks. Have any of you ever had that happen? Know anyone that's had it happen to them? I got the impression from the representative that it wasn't uncommon. I certainly can't apply for an auto loan until I clear it up...Oh, and I figured out how to do direct deposits to the savings account, so that'll solve that for now. I have to nip the credit problem in the bud though, or it'll cause me problems, I'm sure.

Wow, that sucks. Most likely you are right ... they are mixing up you & your dad.These things are linked with your SSN (SIN in Canada), so I'm surprised that this goof-up could even have happened. Unless of course your dad has been using your number to get credit, and has wrecked yours too. Apparantly this is very common. I read somewhere that a very common cause of identity theft is mothers stealing their daughters identity to get credit. Yikes!Hope you get this all fixed up ... keep us posted.

I still think that a bank that you have a previous relationship with would be willing to give you a chequing account, regardless of your age. I had a chequing account when I was 9 ... for my paper route. Even if you really have no credit history, they should still give you the account, given that you meet their minimum requirements (you have proof of income, maintain a minimum balance, etc.).I think the rules may be different in Canada vs the US. Here, almost nobody uses cheques anymore ... unless you're old, and you don't understand how to use the debit machine. Practically every business takes debit cards, so the threat of bouncing a cheque is eliminated. I couldn't believe the number of people I saw writing cheques when I was in the US ... just something you don't see up here.It would be interesting to see if you're being denied because of bad credit or no credit, though. And one bank's risk is another's customer.

I had no problem getting a checking account when I turned 18, and I didn't have any credit established. I work with a guy who's wife's credit got mixed up with some other lady with the same name. It only took about a day to clear everything up. You could also try a different bank or credit union.

It certainly isn't because I have no credit. The credit union said I had "very very bad credit" (quoting the rep), because they give people with no credit and even bad credit checking accounts all the time. The rep said it was very uncommon to come across someone with credit so bad that they can't give checking accounts. She's the one who advised me to get it cleared up right away. It's quite interesting, because BECU is one of the best CU's around here, and they usually give good ratings to high-risk people and people just starting out. To be denied by them is just... wow.I'm supposed to have no credit since I just turned 18. That's in theory. In reality, it doesn't work like that if you have the same name as someone else, even if you aren't related to them. My grandfather on my moms side named his son as a JR, and their credit was mixed up before he turned 18 as well. You'd think they'd just use the numbers, but that's not always how it goes.I'm going to get a free report and then go get another 3-in-1 report for the three top agencies. If nothing else, I can dispute everything on there because I only recently turned 18. I haven't done anything, so I can only assume it's my dads credit mixing with mine. I'll keep you posted...

It was as expected, my dads is mixed with mine.I have no positive stuff on my report, but things usually done only by name and not by SSN, like Judgements and certain collections, are on my credit report. Apparently, I also have a mortgage, lol. I'm now disputing them... They don't have my birthdate on file either...

Wow! An 18 year old with a mortgage. What an accomplishment! Too bad it's not helping your situation.This should all get cleared up shortly. Is your dad willing to help you sort out what part of this mess is his?If your dad just goes by Hisfirstname Lastname, I would seriously consider that you go by Hisfirstname X. Lastname ... maybe throwing the middle initial in will help keep you two seperate?

Yeah, I was thinking about ways to have my name on there differently too...Actually, my dad lives all the way across the country and doesn't care. He has bad credit, knows it, and will not get involved with anything that has to do with credit. Not good for me. Oh, and it also has me on record as being 43. O.o