Our project is setup similar to others where you have some sort of properties file unique to the developer, however I do not believe that files specific to a single developer should be checked into source control.
We have a file personal.properties
which is loaded and overrides any project default values. The file is located in the users home directory. For any values that are specific to the user, the default value is set like this:
database_user_name = DATABASE_USER_NAME_MUST_BE_SET_IN_PERSONAL_PROPERTIES_FILE
The file is never edited by a developer so no user-specific information is checked into source control and if a developer forgets to set the value in their personal.properties file you get an obvious error like:
Unable to login to database with username: "DATABASE_USER_NAME_MUST_BE_SET_IN_PERSONAL_PROPERTIES_FILE"