"Credential retrieval failed"

Recently I was facing an error given below while connecting to the dedicated client:

"ORA-12638: Credential retrieval failed" trying to connect to Oracle database

So what did I do next ?

Followed the Standard procedures.

1) Checking if I am connected to the wire :)
2) Checking my credentials against the DB.
3) ODBC setup is proper and working standalone.
4) Disable Hashing/Encryption

Still the problem persists.
I was able to solve the problem by changing the following parameter in
SQLNET.ora file (Network\Admin folder of Oracle Home)

# SQLNET.AUTHENTICATION_SERVICES = (NTS) --- Commented by geeksajan
SQLNET.AUTHENTICATION_SERVICES = (NONE) --- Added

Basically I made oracle ignore the Windows NT native security and use the credentials that I provided to authenticate with the DB.

Done !!!