My mother opened a bank account in my name. She has access to my personal information. This helped her to open a bank account and a credit account in my name. I didn't know about the accounts. Recently, I came to know about this when I tried to open a new bank account. My name is on Chexsystems. The credit card account is also in delinquent status. My credit score has dropped drastically. Any advice would be appreciated.

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This is a clear case of an identity theft. As such, you need to inform the police about it. Once you have notified the police, your next step would be to inform the bank and credit bureau about it. Dispute the information and try to get it removed by the bank. Don't forget to place a fraud alert on your credit report as well. 

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