Aim Credit Repair

09/14/2026

"Credit restoration" and "credit repair" are the same service.

One is the term the law uses. The other is a marketing choice. That is the whole difference.

Here is why it matters to you: both federal law and Minnesota law define these companies by what they do, not what they call themselves. So a company advertising "restoration" has to follow every rule a credit repair company does:

✔ No fees before the work is performed
✔ A written contract before anything starts
✔ No promised scores or timelines
✔ 5 business days to cancel in Minnesota
✔ They must tell you that you can dispute errors yourself for free

If a "restoration" company asks for money up front, that is not a different business model. It is the same violation under a different name.

We wrote it all up, with the actual statute language, so you can check it yourself:

https://aimcreditfix.com/blog/credit-restoration-vs-credit-repair?utm_source=facebook&utm_medium=social&utm_campaign=credit-restoration-vs-credit-repair

08/26/2026

Every credit repair company in St. Paul says they are the best. Here is how to actually tell.

Seven things, and all of them are checkable before you pay anyone:

1. Are they registered with the Minnesota Department of Commerce? It is public record.
2. Do they promise a specific score or timeline? Nobody is allowed to.
3. Is the pricing published, or only on a call?
4. Do they want money before doing the work? That is against the law, not just bad practice.
5. Do you get a written contract before anything starts?
6. Are the reviews recent, and how do they answer the bad ones?
7. Do they tell you that you can do this yourself for free?

That last one is required by law and it is the one most companies quietly skip.

I put our own company through the same seven points in the article, including where we are not the right fit. If your situation is really about debt you genuinely owe rather than reporting errors, credit counseling may serve you better than we would.

Full guide here:

https://aimcreditfix.com/blog/best-credit-repair-companies-st-paul?utm_source=facebook&utm_medium=social&utm_campaign=best-credit-repair-st-paul

08/19/2026

Here is the dispute letter. Free. Copy it, fill it in, send it.

No email signup, nothing to buy. There is a Word version you can download and type straight into as well.

You have the right to dispute inaccurate information on your credit report yourself, at no cost, by contacting the bureaus directly. You are not required to hire anyone, including us. That is the law, and I would rather say it out loud than hide it in fine print.

The guide walks through the whole thing:

What makes a dispute actually work, and what gets it thrown out
Where to mail it, plus the step most people skip entirely
What happens after you send it
What to do if it comes back verified
Your rights here in Minnesota

One honest note. Accurate negative information cannot be removed by any letter or any company. Anyone telling you otherwise is selling something the law does not allow.

Read it and grab the template here:

https://aimcreditfix.com/blog/credit-dispute-letter-template-minnesota?utm_source=facebook&utm_medium=social&utm_campaign=credit-dispute-letter-template-mn

08/12/2026

Think your credit score is low because of something you did? Your credit report could contain an error.

In this video, I cover 5 common credit report errors consumers should watch for, including duplicate debts, incorrect late payments, accounts that aren't yours, outdated information, and possible identity theft.

You can review your credit reports yourself and dispute inaccurate information directly with the credit bureaus at no cost.

Want the complete breakdown? Read our full article or learn more at www.aim-creditrepair.com.

AIM Credit Repair LLC

Results vary. AIM Credit Repair LLC is not a law firm.

07/29/2026

"How does credit repair actually work?"

I get asked this constantly, and honestly most explanations out there are either vague or trying to sell you something.

So here's the plain version.

It's reviewing your credit reports, finding information that's inaccurate, incomplete, or unverifiable, and disputing it with the bureaus under federal law. That's it. It's a right you already have.

It is NOT a way to remove accurate negative information, and anyone promising you a specific score by a specific date is telling you something they're not allowed to promise.

I put together a full guide covering our five-step process, what the timeline really looks like, your rights as a Minnesota resident, and how to do it yourself for free if you prefer.

Read it here:

https://aimcreditfix.com/blog/how-credit-repair-works-minnesota?utm_source=facebook&utm_medium=social&utm_campaign=how-credit-repair-works-mn

07/13/2026

Not every bad credit score is really bad credit.

The FTC found that 1 in 4 credit reports has an error — and 1 in 5 of those errors is serious enough to hurt your score.

Here's what I see most often with Minnesota families, and how to dispute each one yourself under the FCRA (free):

https://aimcreditfix.com/blog/5-common-credit-report-errors-minnesota?utm_source=facebook&utm_medium=social&utm_campaign=credit-report-errors-mn

Results vary. AIM Credit Repair LLC is a credit services organization, not a law firm.

06/30/2026

Wondering how to fix your credit?

Most people think they need more credit tips. In reality, they need to understand what's actually holding their credit back.

Before filing disputes or following random advice online, it helps to review all three credit reports and know exactly what needs attention.

If you're ready to understand your credit and create a plan, schedule your FREE consultation today.
http://www.aimcreditfix.com

Minneapolis credit repair specialists. 8+ years, 2,500+ clients served, 245+ five-star reviews. Strategic credit and funding readiness. Free consultation.

06/22/2026

Quick question: When was the last time you looked at your credit report?

Most people haven't. And that's exactly how errors slip through.

We've just published a guide on the 5 most common credit report errors we see — and honestly, you might recognize yourself in one of them.

Read it here:https://blog.aim-creditfix.com/post/5-common-credit-report-errors
Then drop a comment and let us know: Have you found errors on your report? What was it?

We love helping people get clarity on their credit.

12/04/2025

A better credit score starts with a better plan — and we’ve got the right one for you!
Join AIM Credit Repair and take control of your financial confidence today. 💡📈

🌐 www.aim-creditfix.com

💬 Message us for details!

Financial service

12/03/2025

Level up your credit score with confidence! 💳📈
Whether you're rebuilding or aiming higher, we’re here to guide you every step of the way.
Start your journey to better credit today with Aim Credit Repair! 💙