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Check out http://youhavemorethanyouthink.org/improve-your-credit-score-5-steps-you-can-take-this-weekend/ for more ways to improve your credit score.
Although many personal finance experts say you can't remove negative, accurate information from your credit report, there are a few tricks you can try. This video covers one such method. I'm not opining on whether you should have true, negative information erased from your credit report. You have to follow your own moral compass to determine whether this is a technique you're comfortable with. Personally, after being screwed by a collection agency years ago, I'd do it in a second.
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Sample debt validation request letter - http://www.creditinfocenter.com/forms/sampleletter9.shtml
Recommending reading - Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future by Liz Pulliam Weston
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