Have you seen your own CIBIL report? If not,then try to get it from CIBIL.You will have a clearer picture of your credit rating. CIBIL report of an individual only has the credit history of the individial and not of the parents.Even mothers name or reference is not there in the credit report.
Personal loans and CC cards are given on the basis of a persons credit rating and monthy cash flow(earning) and has nothing to do with her/his parents credit rating.
Who has told you about this? Have your CCard applications been turned by multiple banks?
I feel it is mere speculation on your part based on some half baked information.