>Your parents credit score doesn't affect yours. At all. IT doesn't help you get a credit card, nor bank accounts. Perhaps one's parents can't help in any form

>Your parents credit score doesn't affect yours. At all. IT doesn't help you get a credit card, nor bank accounts. Perhaps one's parents can't help in any formal way, but for me, my parents' creditworthiness and relationship with a local bank helped get me my first credit card. Right before I left home for college, I applied for a credit card with my local bank, and was initially declined. When I asked for reconsideration by the branch manager, he looked into the situation and indicated that he couldn't do anything to assist. When my mother found out I was declined, she took me back to the branch, and asked the branch manger to reconsider the credit decision. Upon a review of my parents' standing with the bank, the branch manager overrode the previous decision and I was given a Visa card with a moderate ($1000 USD) limit. My mother wasn't even asked to co-sign on the account, provide any kind of guarantee, or be associated with the credit card in any way.