This article lists several tips on repairing your credit,

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My ex left me in a credit card predicament, and I went to Consumer Credit Counseling. This is a non-profit organization that negotiates your percentage rates and sets up a payment schedule that fits your budget. Not sure about your neck of the woods, but that’s the organization in my city that I turned to. It did help.

If you want to feel a total sense of relief I suggest you file bankruptcy or at least consult a bankruptcy attorney. Be preepared to pay an attorney a sizeable sum to file all the necessary paperwork etc. I went through it 3 years ago and it cost me $1,000.00 and the problem is you need that money up front as an attorney won’t even file your case until it’s paid. I considered the debt consolidation route also but the more I thought about it the more I realized I was just wasting time that added to my burden. Debt consolidation just spreads the total amount of your endebtedness out over a longer period prolonging your agony.

The best thing to do is to go onto experian website and order your credit report this will give you an idea of who you owe to and what debt you actually owe that is the best thing to do