Write to the collections accounts and request pay for deletions. This seems to be a mixed bag of outcomes, but it is worth a shot. The student loans, your best bet is to begin paying them on time, and then after a year, write a good will letter to discuss removing any negative information now that you are a model client. Starting a credit line and managing it successfully is a great start as well. Ultimately what you need are revolving accounts wisely used and history, but there are a few ways to speed up the time needed for the history.
