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http://redemption.wikia.com/wiki/Increase_or_Decrease_Abilities

Poison (Disease)

General Description
A poison ability adds a "poisoned" identifier to a card.

How to Play
A poison ability is always paired with a permanent ongoing ability. The ability that is paired with the poison ability is treated as the effect of the poison and targets the same card as the poison ability. All poison abilities are instantaneous. A poison ability targets the cards that are to be identified as poisoned.

Default Conditions
Targets must be “in play.”

Special Conditions
A card that is already poisoned can be targeted by another poison ability. The poison ability does not ultimately affect the card because it is already poisoned, but the ability paired with the poison ability does affect the card.

Clarifications
A disease ability functions exactly the same as a poison ability with the one exception that it adds a “diseased” identifier rather than a “poisoned” identifier.
Most disease abilities come before the ability with which they are paired. The phrase “treat as a disease” is a disease ability that comes after the ability with which it is paired.
“Until healed” indicates an implied poison (disease) ability.

Essentially, the poison/disease ability does nothing but add an identifier to a card. The important part is the ability that is paired with it (which is most often a decrease ability, or a paralyze ability, each of which have their own REG sections).

As for controversial rulings, there probably are a bunch of rulings from years ago that may have changed, but I think that there is a pretty good system now that can address anything that comes up). So the best thing to do is probably refer to the REG, and if you have questions on that you can post them here on a case-by-case basis.

Worked to Exhaustion is an instant decrease ability. "Until hero is discarded" is old wording for "the effect is permanent" (as opposed to a decrease that only lasts until the end of battle, for example). A Hero "Worked to Exhaustion" is decreased (or increased) to 1/3 and their abilities can then be modified as normal by other special abilities. If that Hero won a battle, experience credit would increase them to 2/4, another win would increase to 3/5.

I believe you are correct. Experience Credit should be an instant increase just like an increase/decrease special ability (it's just a game rule rather than an effect on a card) so you can alter the abilities as normal after it adds the 1/1.