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Kim Zolciak & Kroy Biermann No Open Marriage Or Cheating ... Despite Online Rumors

There have been lots of theories thrown around as to what led to the downfall of Kim Zolciak's marriage to Kroy Biermann -- from rumors of cheating to claims the two had an open marriage ... but we're told all that noise is far from the truth.

Here's the deal -- the rumor mill has been going crazy since Kim filed for divorce from the former NFL star earlier this week ... with smoke online about possible affairs.

On the opposite end of that spectrum .