How can I clean up my credit score and because I am married do we have a combined score?

Back in feburary, my husband lost his job and I got pregnant. Not exactly perfect timing. When we got married back in August of 2008 my husband had a credit score of 800 and now it’s down too like 550-600 ish. Horrible I know.
I know mine is worse then his.

I know that your credit report is harmed for 7 years after bad reports.
Any way in cleaning it up?

Because of my husband getting laid off, a few of our bills went to collection. I am not worried about how this will affect our creit score.

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