Insights & guides

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.

Featured

A Minnesota resident at a kitchen table reading an old collection letter next to a calendar

Credit Education

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.

Carlos HawkinsSep 29, 20269 min read

A woman reading a printed credit services agreement by a window, checking the terms before signing

Credit Education

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.

Carlos HawkinsSep 13, 20268 min read

A St. Paul resident researching credit repair companies on a laptop at her kitchen table

Choosing a Provider

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.

Carlos HawkinsAug 25, 20269 min read

A woman writing a credit report dispute letter by hand at a kitchen table, with printed reports, an envelope and a laptop beside her

Credit Education

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.

Carlos HawkinsAug 19, 202610 min read

Minnesota client reviewing a credit report during a free consultation with AIM Credit Repair

Credit Education

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.

Carlos HawkinsJul 26, 20269 min read

Minnesota homeowner reviewing a credit report at a kitchen table

Credit Education

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.

Carlos HawkinsJul 7, 20268 min read