how can you help me if we had a repo?
If it was a repossession or an involuntary repossession within the past 5 years preceding the date of the credit report we might be able to help if you have proof of extenuating circumstances.
I also have had some debt problems because of a divorce so what would I need as proof to help me out?
You would need a Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question