Credit Repair?

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.

Answers

• Don't waste your time/money with any company promising to fix your credit.....Accurate negative information on your credit report cannot be removed....However:
  
  If you send debt validation requests for each negative item on your credit report to the credit bureaus and they cannot validate the debt within 30 days, per the Fair Credit Reporting Act they must remove items they cannot validate.....It doesn't hurt to try this for each negative item on your credit file....If you try this do it one item at a time rather than all at once. There is NO guarantee this will work.