Refinancing Master

I recently rehabilitated my defaulted student loan and received documentation that they would notify the national credit bureaus and advise them to remove the default status from my credit report. How long should I wait before checking for it’s removal? I’m interested in refinancing my car loan and my student loan was one of the items that was negatively affecting my credit the most. Also, should the removal of my default status result in a noticeable improvement in my credit score? Thank you for any feedback you may have.

Hi, I bought my house in 2006 for $450k with no down. Interest rate for the first loan (80%) is 6.5% and I got the 2nd loan with 9.5%. Now the estimated home value is ~$400k. I know the interest rates these days are less than 5.5%. Can I get a refinance?

I don’t owe that much, and I have no trouble with my current monthly payment. I don’t want to refi if there’s a negative impact on my credit.