If it is on your, it's there to stay. It will take seven years to remove. You would need to go through the courts to get a ruling on a dispute like that, and afterwards it would still be difficult, but not impossible to remove from your record. At this point, you will probably suffer in your loan application, with it either being rejected, or you will need to pay much higher interest rates.
It depends. If the second person is just an authorized user, meaning. they are not the responsible party for paying the account. You would only put the primaries social security number, income, and job information on the paperwork. If you put the secondaries private information on the application then it would affect the application.
Application Pool is not a Sharepoint concept rather an IIS Concept. It provides a logical separation to different web applications/websites. A single worker process caters to one application pool. This ensures that if an application running in an application pool crashes it doesn't affect the working of the rest being catered by other application pools.
Your application for a student visa is handled separately from your marriage application. If your marriage application is approved, then that will override your student visa application. If, however, it is not approved then your student application still remains in affect. Please note that in your marriage application there is a question which asks, "Have you ever filed for ANY other types of visas?", which must be answered correctly otherwise you will be subject to denial for filing a false application!
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