Wascally,
I don't know where you are, but in California you are entitled to a free copy of your credit report from the three nationwide credit bureaus..Transunion, Experian and Equifax. What I did was put a fraud alert on my credit (afraid my exAH would try to use it..he tried everything else). I called one of them (I think Experian) and they notified the other two and they each sent me a copy of my credit report. I think this works even if not in California.
When I received the credit reports, they tell you how to dispute any items that are wrong online. They investigate and correct it or you start fighting with the creditor. The fraud alert stays on for 90 days...the only problem with it is if you want credit from somewhere it gets held up because you have to prove your identity (sent copy of drivers license and SS card). You can follow what is happening with your credit by viewing the report on line..that's how I found out the collection agencies were getting copies of my credit. They tried to get his debts from me, and some of them really get nasty but I could prove there were no receipts signed by me.
As I said, don't know where you are, but in CA you are not responsible for each other's debts from the date of separation once it is on record, like when I filed for divorce the date of separation was in the papers and recorded.
Don't know if this helps you...just my experience. Good luck..it's a hassle and frustrating but worth it.
Susie