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!

I don’t want to be one of those companies that take the money and disappear. I truly want to help people learn the things it took me a long time to learn and then give them the choice of whether they want to do it themselves or hire me to write all the letters and make all the phone calls.
DON’T BELIEVE ANYONE WHO TELLS YOU THEY CAN GET ALL NEGATIVE ENTRIES REMOVED IMMEDIATELY, WITH NO MONEY FROM YOUR POCKETS!!! It’s just impossible! It took you years to get your credit in the state it’s in so it will take some time and money to get the items deleted.
I’ve got the qualifications – A Masters Degree in Economics and Finance, A Bachelor’s Degree in Economics, a Certificate in Credit Reporting, and a license from the State of Maine for Credit Repair. Please help me learn how to use these tools.
I work from home because I broke my neck in a car accident and can’t handle a 9-5 job. My brain still in excellent works so help me get started. If you have questions just e-mail me. Thanks

I know it affects your credit score negatively everytime you APPLY for something (car, loan, credit card) and they check your credit report to see if you qualify and you end up not qualifying.
But does it affect your credit score if you request your own credit report just FOR YOUR INFORMATION, to make sure everything is accurate? I know it costs you money, but does it affect your credit score?