Unfortunately, there is no easy way to fix your credit. It is a slow process that has to start with you and not by using one of those "credit repair" companies that you mentioned. You are right. Almost all of them are scams.

The best thing you can do is sto get current on you loans. Then, pay all of your bills on time form that point forward.

I generally agree with Hank. However, there are some credit counseling services that offer free services to help you reduce or zero-out your credit card interest. They are paid by the credit card companies to work with delinquent borrowers and counsel them how to get back on track with their debt payments. The goal for the credit card companies is to prevent personal bankruptcy filings which may cost them even more money.

Don't pay a fee to an organization to "repair" your credit. Find a free counseling service that has been long established and has a solid track record. Call local financial planners in your area and ask for a referral. Good luck.

Unfortunately, until your name is off of any credit that was shared by your x-to-be, there is little you can do to repair your credit unless you work together. You can do everything right and your ex could mess up and it will impact you since you have items that will report to both of your credit reports. While you can seek out help as Walt Mozdzer describes, it will only do so much good if you have an uncooperative ex. In this case, you need to work to separate your credit identities. You need to establish credit in your own name and either work to pay the joint stuff down or transfer balances to credit in your own name so you can control the outcome. Just be sure to close the joint accounts to further advances until they are paid and closed for good.

This is a classic fallout from divorce, unfortunately. While hindsight is 20/20 and the loans, and credit card payments ordered by the court should have been executed at time of, or before, the divorce was final - you are left holding the bag. Few solutions present a true repair to your credit identity. You could request a change in the date of when payments are due; you could ask that a note be added to your credit file that you are divorced and your ex is in contempt (not much sympahty here); you can renegotiate and consolidate payments with credit card companies to lower monthly payments / total amount if payments are kept current from now on (absolute diligence required); you can sue your ex in court for the payments with interest, penalties and legal fees; you could borrow from relatives & friends to pay off the debts in full; and lastly, you should only work with governmental credit counseling agencies that are recommedned by Better Business Bureau or local Chamber of Commerce.