You have to have a open active account in order to get a credit score increase.
If the mortgage refinace was used to pay off other debt, it my increase your score. Not sure by how much.
how many points dose foreclosure decrease your credit score
You don't get monthly points, it doesn't work like that, the only way to increase your score is to have good positive open trade lines with no lates and as they get history and age on them your score will increase as time goes on.
will bankruptcy increase you credit score over time
Yes off course. Paying off any debts will increase your credit score.
== == Your score could increase anywhere from 10-60 points total. There is no concrete number, this is an estimation.
It is importance to pay off a debt regardless of the type of debt that you owe, but your credit score will not increase nor decrease when you make a payment. Time and consistent monthly payments to your debts will increase your score.
If the student loan is taken out in the name of the student then no. The student's credit score is separate from anyone else's. If the student loan is taken out in the name of the parent or with them as cosigner then yes - their credit scores would come into play.
A recent late payment can drop your credit score about 60 points.