Don't be lazy and go to Barnes & Noble one night and put something really tight together. Or people get paid to create really good resumes if you don't want to do one...
That's probably true for a clerical job by my cover letter has really got me the interview everytime. THere has not been one interview where the interviewer didn't comment on how good my coverletter was. Just something to think about.
Go to word, open up a template from microsoft.com and find the resume of whichever type of job you are looking for. After that change the writings to say your experience.
If you still have questions than paste your resume here and i'll help you out.
I've been working on my resume the last week myself.