The AIM Credit Repair blog
Plain-English guidance on credit repair, dispute strategy, and business credit — from the team helping Minnesota families take control of their credit.
Statute of Limitations on Debt in Minnesota: The Two Clocks on Old Debt
Minnesota gives collectors six years to sue on consumer debt, and a payment after that cannot restart it. Here is how that differs from the 7-year credit report clock.
Credit Restoration vs Credit Repair: Is There Actually a Difference?
"Credit restoration" and "credit repair" describe the same service. One is a legal term, the other is marketing. Here is what that means for your protections.
Best Credit Repair Companies in St. Paul: What to Look For
A seven-point checklist for judging any credit repair company in St. Paul, the red flags that are actually illegal, and the questions to ask before you sign.
Free Credit Dispute Letter Template: A Minnesota Consumer's Guide
A free, copy-and-paste credit dispute letter template, plus where to send it, what to attach, and what happens after. Written for Minnesota consumers.
How Credit Repair Works in Minnesota: AIM's 5-Step Process
See how credit repair actually works in Minnesota: the FCRA dispute process, 45-day cycles, your Minnesota rights, and AIM's clear 5-step process.
5 Common Credit Report Errors in Minnesota (and How to Fix Them)
One in four Americans has a credit report error. Learn the 5 most common Minnesota credit report errors and how to dispute them—step by step.