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Unfortunately, yes.
The legal age to get a credit card in Canada is 18 years old. Those under 18 can become secondary cardholders on someone else's account or get a pre-paid credit card.
Yes. Your length of credit history alone can affect your credit score. Yes. A drop in your credit score does not indicate anything illegal.
No, using any credit card other than your own without consent is fraud.
No it will not "work". Whether it is legal or not is certainly questionable. There are no quick fixes. Be very cautious when dealing with any credit counseling, credit consolidation sevices, etc. There are a lot of good ones and then there are the "crooks."
Is your name on the lease? If so it probably is illegal. But if it isn't then you probably have no legal recourse in this case.
No, in any way, shape or form. It is an entirely legal thing that provides court protection for someone (or company) needing it. The main downside is that it ruins your credit, though bad credit is not a crime.
The legal age to apply for a credit card in the UK is 18 years old. This is to ensure that individuals are considered mature enough to handle credit responsibly and understand the terms and conditions associated with owning a credit card.
No, it is not legal to use someone else's credit card without their permission.
The credit privacy number (CPN) is not recognized by the government nor the credit bureaus as a valid form of identification. Using a CPN to apply for credit or loans is considered fraudulent and can result in legal consequences.
YES if the money order seller takes credit cards it would be legal.
No, it is generally not legal to run a credit check on someone without their permission.