I know raising your credit score takes time but can anyone give me some advice other than pay on time (already know this tip) on how to do so? My score is in the 400s. Please help.

My credit is also in that area because of my ex wife not making mortage payment in my name. I cant get any credit cards so its hard to rebuild credit if you cant get any. However i was just financed on a $13,000 used car so any credit you do get pay ontime, and it normally takes 6months of good payment history to show up on your report.