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Three bureaus, three formats
Three bureaus. Different formats. Codes most people don't recognize.
Credit Repair & Strategic Financial Readiness in Minneapolis, Minnesota
Strategic Credit Solutions Designed to Help You Qualify for MoreStrategic Credit Solutions Designed
to Help You Qualify for More
to Help You Qualify for More
Improve your credit profile. Restore your confidence. Build a stronger financial future.
We help clients address inaccurate negative reporting, strengthen credit habits, and build long-term financial goals.
We help clients understand and improve their credit profiles through compliant credit education, strategic dispute processes, and financial readiness guidance.
Important disclosures →
Results vary by individual. AIM Credit Repair LLC is a credit services organization, not a law firm, and does not guarantee specific score increases or removal of accurate, verifiable information. No results are guaranteed — credit improvement takes time and financial discipline. You have the right to dispute information directly with the credit bureaus, free of charge.
- 0.0 average·0+ five-star client reviews
- 0+ clients served
- 0+ years serving clients
- Proud Black-owned business
- Twin Cities · Serving clients nationwide
Why Most People Feel Stuck
Most people don't struggle with credit because they're irresponsible — they struggle because nobody explained the system.
I've stared at my report for an hour and I still can't tell you what's actually hurting my score.
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Conflicting advice everywhere
One expert says pay collections. Another says don't. Without context, most advice creates more confusion.
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Your rights, rarely explained
Most consumers are never taught their rights.
FCRA § 611
Our services
What AIM Does for You
Our process is designed to provide clarity, strategy, and ongoing support throughout your credit journey.
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3-Bureau Credit Review
Review reports from Experian, Equifax, and TransUnion to identify inaccurate, outdated, or misleading reporting.
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Credit Analysis
We break down your credit profile step-by-step so you understand what's impacting your file.
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Custom Dispute Strategy
A personalized dispute strategy built around inaccurate, unverifiable, or misleading reporting.
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Dispute Correspondence
Dispute correspondence prepared and sent to creditors and credit bureaus on your behalf.
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1-on-1 Guidance
Ongoing one-on-one guidance designed to help you build stronger long-term financial habits.
We do not guarantee score increases or specific deletions. Every credit profile is unique.
Service standards
How we treat you, by default.
Every engagement, every client. These are commitments — not guarantees of credit outcomes.
5-day right to cancel
Five-day cancellation window from signing, in writing.
No long-term contract
Your agreement renews every 45 days. To avoid the next billing cycle, cancellation requests must be submitted at least 5 days prior to your renewal date.
FCRA compliant
Disputes filed under federal consumer credit law.
Transparent pricing
Published rates. No hidden fees. No 'call for details.'
AIM Credit Repair Programs
AIM Credit Repair Programs
Strategic credit, financial readiness, and business credit-building programs designed around your specific goals — serving clients across Minneapolis, Saint Paul, and the Twin Cities Metro. Compliance-reviewed pricing, with no long-term contracts.
"They didn't make false promises — just clear steps and consistent progress. I felt informed and respected the entire time we worked together."
A+ Accredited BusinessVerify on bbb.org →Services begin immediately upon enrollment. Billing occurs after the initial 45-day service period.
Free legal support included on every plan: attorney referrals are available at no extra cost in specific situations, and FCRA claims may be pursued through contingency arrangements with no upfront legal fees. Results vary by individual — no specific score change, item removal, or timeline is guaranteed. Please call 651-333-7328 or book a consultation for full pricing details.
How It Works
A Clear Process Built Around Your Credit Goals
A transparent and compliant process designed around your credit profile and financial goals.
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Step 01
Free Consultation
We begin with a free consultation to understand your credit concerns, financial goals, and current situation. No commitment required.
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Step 02
Personalized Strategy
Based on your consultation, we create a personalized action plan tailored to your credit profile, reporting challenges, and financial goals.
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Step 03
Strategic Dispute & Rebuilding Process
Once enrolled, we begin the dispute and credit rebuilding process by communicating with creditors and bureaus while guiding you through personalized improvement steps during each 45-day cycle.
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Step 04
Ongoing Support & Progress Tracking
We continue supporting you with ongoing reviews, dispute follow-up, and progress tracking every 45 days for as long as you remain enrolled.
Every credit profile is different. Timelines and results vary based on reporting accuracy, responsiveness from furnishers, and individual financial behavior.
Who We Help
Who Our Services Are Designed For
Whether you're preparing for homeownership, rebuilding after setbacks, or planning for business funding, our process is tailored to your goals.
Preparing for Homeownership
Clients preparing for homeownership or refinancing who want to strengthen their credit profile before applying.
Rebuilding After Financial Setbacks
Life happens — medical bills, job loss, divorce, or unexpected hardships can impact your credit. We help you rebuild with a clear strategy focused on restoring your financial confidence and long-term stability.
Building Toward Financial Stability
Strong credit creates more opportunities and financial flexibility. We help you build healthier credit habits and improve your profile so you can move forward with greater peace of mind.
Business Credit & Funding Readiness
Building business credit, the right way can open the door to funding and growth opportunities. We help position your business for stronger credibility, lender readiness, and long-term success.
Every financial situation is different. Our process is designed to meet clients where they are.
Reviews / Success Stories
Trusted by Clients Across Minnesota
Over 2,500+ clients served with a strategy-first approach focused on education, compliance, and long-term financial readiness.
Testimonials reflect individual client experiences. Results vary by case.
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Results vary by individual. Testimonials describe individual experiences and are not guarantees, predictions, or representations of any specific credit outcome. AIM does not promise specific score increases, point gains, or timelines. Pull-quotes are verbatim excerpts from public Google and BBB reviews of AIM Credit Repair LLC; headlines are editor-written for readability.
Real resultsBBB
A Major Improvement After Months of Work
"In the matter of a few months my scores have increased across the board, OVER 100 points!"
Carlos and his team are absolutely AMAZING. I felt like what was a giant hole. To them, it was absolutely no issue. Without Mr. Carlos and his team there's no way I would've been able to do this!Wyatt C. · Verified BBB review
Life-changingBBB
They Truly Changed My Life
"Within just a few months, I saw a major improvement in my credit score."
When I came to them, my credit was in rough shape, but they were honest, professional, and stayed in constant communication throughout the entire process. They explained everything clearly and made me feel confident every step of the way. If you're serious about fixing your credit, this is the team you want on your side.Cristopher V. · Verified BBB review
Tangible winBBB
Approved For Two Vehicles We Needed
"Not only was Carlos able to get my credit score up — I was able to purchase two vehicles which we desperately needed."
I am so thankful that I was referred to AIM Credit Repair. Carlos has been wonderful to work with. Thank you. I give them a 5+ star rating.Angela D. · Verified BBB review
Honest processGoogle
No False Promises — Just Real Progress
"Carlos also makes sure I understand the process every step of the way."
Carlos and his team are amazing — I would refer them in a heartbeat. He is currently helping my score and credit report improve, getting inquiries and debt removed. Staying in contact with me and letting me know the process the whole way through is a plus for me.Brittany M. · Verified Google review
CommunicationGoogle
Always Available When I Had Questions
"They are always available when I had questions and are very affordable."
I would like to thank Carlos and his team at AIM Credit Repair for a job well done! I would recommend AIM Credit Repair to anyone in need of help repairing their credit or improving their credit scores!Daniel St. John · Verified Google review
Education-firstGoogle
By Far My Best Credit Experience
"I have worked with two other companies — one larger and one smaller — and this has by far been the best experience."
Carlos has been extremely helpful through my credit repair process. He has explained to me in detail the entire process and been consistent in reminding me of different ways to build my credit.Kela H. · Verified Google review
FAQs
Frequently Asked Questions
Answers to the questions clients ask most often before enrolling.
Have more questions? Start your credit review →
Free 30-minute consultation
Schedule a Free Consultation — No Pressure. No Commitment.
We'll review your credit goals, discuss your situation, and help you understand the best next step — whether you enroll or not.
8+ Years Experience·2,500+ Clients Served·Free Consultation — No Sales Pressure
Results vary by individual. AIM Credit Repair LLC is a credit services organization, not a law firm, and makes no representation, warranty, or guarantee regarding any specific credit score change, item removal, or timeline. You have the right to dispute credit report information directly with the bureaus, free of charge.