get your free credit reports (don't enter a credit card #, you don't have to) to see what turns up. Your divorce decree should have had a date where you were no longer responsible for ex-spouse's debts. Mail a copy to any listing that has your ex's name on it and ask the item to be removed.
If you owe smaller amounts where they have added multiple penalties and interest, call and negotiate to pay only the original amount in exchange for getting the item removed. Tell them you didn't know, your ex did it, but you're willing to pay the original amount.
If you owe larger amounts, call and negotiate a lower payment AND lower interest rate yourself -- explain you just got a divorce, most lenders are willing to work with you. Don't waste your money on those rip-off credit repair scams.
Keep a list of who you contacted and follow up.
Keep up your resolve to straighten things out, don't give up because it seems hard. Good luck!!
thefuture, I posted an answer to your previous question. You can obtain a secured credit card whereby you pay $100-$200 upfront and your line-of-credit would be $500. Make your monthly payments on time, always paying more than the minimum amount due and you will start rebuilding your credit. Order your credit reports from the three agencies. The first time is free. This way you can dispute any discrepancies that may be on your reports, is your ex-husbands debt and have it removed. Be patient because this can be an arduous task but I have faith in you that you can accomplish this. Best wishes...
First, Get a credit card that is strictly just yours and charge small balances( anything less than $100, but no more than $100) for at least once a month, and pay the balance off completely each month. Do this for a year then then check your credit by making a request for a free annual credit report from the 3 nationwide credit bureaus; transunion, equifax and experian by calling 877-322-8228 once every year. If you have any negatively accounts on your reports they will have to be gone from your report. The report will usually say how long a negative account will remain on your report if not (7 years from the date of 1st delinquency).