Help question on saving my credit before it is to late

You do not say if your ex bought your share of equity out of the house or if you just signed it over. Check with your lawyer to see if you can haul him back to court to have the home sold since your ex appears to not be able to make the payments and this is having a negative effect on you. Unfortunately, mortgage companies are not bound by divorce decrees. They try to hold to the original contract you signed when the house was purchased if they think they can bully you into forcing your ex to pay or even have you pay something towards the mortgage. Meanwhile, you can write a letter to each of the credit bureaus explaining what is going on with the mortgage, along with a copy of the divorce showing that your ex was awarded the house. There may be some creditors who understand when they see the reason for your problem. A friend's husband took some valuable papers and would not return them so my friend had a problem with her tax returns. When she explained her situation to the IRS and showed them the divorce papers, even the IRS left her alone. She was able to prove to them that her ex was a violent man and she could in no way contact him for any reason. Good luck.