Credit Score Management

My credit score was near perfect before this and I was reported just once for a small amount of $13. I am desperate and I have no clue what this will mean to me. Please provide some resources if possible!

Is it right that credit repair agencies delete terrible items off of your credit report, if you have worked with one, what was the outcome and give me that agency name & #

There is no type of credit repair that a person cannot do themselves, but it takes a lot work, and a lot of follow-up work.
Would you pay a person to clean up your credit (if its terrible) and do all of the leg work, legally?

I need help repairing my credit. Does anyone have any experience with a reliable and effective service?

I need to repair my credit but honestly do not have the time to do this myself. Has anyone ever used an agency that acutally worked and if so how long did it take?