fix and raise my credit score, diplomat husband security clearance

Hello Mr. Majors I found your site while looking for information on how to fix and raise my credit score. I apologize in advance for this lengthy email and for how candid I need to be. I am married to a US Diplomat. We have been married for almost one year... Wednesday will be our one year anniversary.
I knew I had bad credit from my first husband's bankruptcy and from poor choices that I made, myself, in the past. I have never had to be responsible for anything financially aside from a few car loans when I was in my teens and early 20's. With my first husband I was never allowed to have any responsibility nor was I informed or included on any of the decisions made. When he filed for bankruptcy, I did what I was told and I signed everything. I didn't know that I did not have to sign anything. To this day I still don't know what all the debt was from. My problem now and what I need to do:
Because of my husband's security clearance, my credit score puts him at risk of losing his career. He's been asked several times about why my credit score is so bad. My credit score is 433 and I found that out just last week. Last summer, I was in the US and got a free copy of my credit report. With my husband's urging I paid as many of them off as I had valid phone numbers for. Just last week, I paid everything off that was listed on TransUnion. I attempted to receive credit reports from all three credit reporting companies but I am unable to do so from here. We are living in Germany at the moment and they won't release it to our IP address.
Because of my credit score, my husband and I have to separate in order for him to not have any danger of losing his career. I have to move back to the US very soon and work on fixing this before we can live together again. I honestly do not know what else will be listed on the other two reports. I do not even know if the free credit report that I got from the government last summer used information from all three credit companies. I was told today by Credit.com that there was an alert on my Experian report and that they were unable to release that information to me.
My husband said that the alert may be nothing more than the fact that I tried accessing it from here. I feel as if my entire world has fallen apart. My husband is very angry about all of this, and rightfully so. He is also angry that he didn't 'push' me harder to have this taken care of last summer when I first looked into it. Our separating is the one and only way we can salvage our marriage and keep his career safe in the process. I had a surgery four months ago that almost killed me.
My husband had been talked to about my credit again but he did not tell me at that time. He's been sitting on this worry and anger for a long time and it finally blew up. Our plan is that I move back to the US and get an apartment there. I will have plenty of money to get started and my husband's father is going to look for a car for me. I'm not entirely certain why I chose you to email with this. I think it's because your picture on your website reminds me of my father-in-law. :) I need to know the absolute fastest way I can raise my credit score so that I can be with my husband again. I'm sitting her typing this to you and crying because I'm so terrified. Right now, I have no credit cards and no loans. I know that electric companies and phone companies report to the credit bureaus, but I don't know if that is enough. I would like to get some kind of credit card and use it and pay on it every month to create a credit trail.
My husband also told me, that when I insure whatever car I get, to only pay monthly so that that shows up as well. My goal credit score is 650. That will insure that my husband will not be questioned about my credit and I will be able to get work at the Embassy that he will be assigned to. My husband and his family are the only family I have. I don't want to lose that and this is killing us both but there is absolutely no other way. I don't know if, for me, hiring a law firm that deals with credit repair is the way to go or not.
There was one thing that showed up on the report I got during the summer that is not on the TransUnion report I got last week. This was the only thing listed there that I would dispute. It was for a credit card and the amount was a little over $15,000. I have never had a credit card that was even remotely close to that limit or would be that limit even with years worth of penalties, etc. Thank you, in advance, for any kind of suggestions that you may have and are willing to share with me. My situation is one of complete desperation.
My husband is diverting part of his paycheck into whatever bank account I set up, so I will not have any problems keeping my head above water while I am working to correct this. I'm 36 years old and all of this "adult responsibility" stuff is completely new and foreign to me. It's embarrassing and it was and is the one thing I wanted to fix about myself. I know I need to do this for me, but I am doing this for my husband as well.
Kindest Regards
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utilities do not help your credit

you need an open line a good credit. a credit card thats reports to bureaus
you really need 3 that have a credit trail at least one year long

go here and get one or two that reports to bureaus. MAKE SURE THEY REPORT.
pay extra or a downpayment if you have to. steadilt increase your own credit limit by chargeing gas each month and paying more than you charge each month till you have a balance owed to you of 500+ dollars at the end of one year.

pay off everything you can that is past due or charged off, or in collection and maybe in your bankruptcy. read this page about bankruptcy .

if you pay everything off and get some lines of credit with a 1 year credit trail. your score will jump to 650 i guarantee it.

433 suggest nothing is positive on your report.

as far as the lock at experian

your husband is probably right.

for protection purposes.
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