Jeremy - I'm guessing the reason your credit score was ruined and not hers is because the loans were in your name only. It's unfortunate but that's the way it goes sometimes. There's not really any magic bullet to fix the problem. Your credit score is like you're report card in school, you can't just hire someone to go change it to fix problems, you have to slowly work to improve it over time. Fortunately it sounds like you're coming up on the seven year mark where some of these debt will start dropping off.
