Credit Restoration in Hugo & White Bear Lake, MN
AIM Credit Repair is based right here in Hugo. Whether you're getting ready to buy a home, trying to rent, or just want to understand what's on your credit report, we'll go through all three of your reports with you and build a plan that fits your goals.
As featured in the Minnesota Spokesman-Recorder
AIM Credit Repair LLC is a Minnesota-owned credit restoration company headquartered in Hugo, serving neighbors across Hugo, White Bear Lake and the northeast metro. Hugo is in Washington County, and White Bear Lake sits mostly in Ramsey County with a small part in Washington County, so the local resources below cover both.
We work with clients by phone, so you can get started without leaving home.
How Credit Restoration Works With AIM
Set up credit monitoring. Before your consultation, you'll sign up for credit monitoring through MyScore so we can see all three reports.
Go through your reports together. We review your Equifax, Experian and TransUnion reports with you, line by line.
Spot what's inaccurate, incomplete or outdated. That includes wrong balances or dates, duplicate accounts, accounts you don't recognize, and items past their reporting period.
Challenge it the right way. We dispute what should be disputed with the bureaus and the companies reporting it, and we track every response.
Plan for what's next. Whether your goal is a home, an apartment or a car, we help you plan around it, including habits that build your credit over time.
We don't promise specific results, and accurate, verifiable information can't be removed by disputing it. We'll be straight with you about what's on your report.
Local Resources for Hugo and White Bear Lake Residents
You don't have to pay anyone to get started. These local and statewide organizations offer homebuyer education, counseling and financial coaching:
- Washington County Community Development Agency (CDA). A HUD-approved housing counseling agency offering homebuyer education (Home Stretch and Framework) and one-on-one homebuyer counseling for Washington County residents. 7645 Currell Blvd, Woodbury. https://washingtoncountycda.org
- Two Rivers Community Land Trust. Affordable homeownership for income-qualified households in Washington County. The land trust owns the land and the homeowner owns the house, which keeps homes affordable over time. 651-994-9194.
- Ramsey County FirstHome. Ramsey County's down payment assistance program for first-time and first-generation buyers in suburban Ramsey County, including White Bear Lake. Funding is limited and the program sometimes closes, so check the current status before you plan around it. https://www.ramseycounty.us/FirstHome
- Minnesota Homeownership Center. Statewide homebuyer education and a network of homeownership advisors. https://www.hocmn.org
- Prepare + Prosper. Free tax preparation and free financial coaching (Money Mentors), including help building credit, serving the Twin Cities metro. https://prepareandprosper.org
- LSS Financial Counseling. Free, confidential financial and credit counseling by phone, online or in person. 888-577-2227. https://www.lssmn.org/financialcounseling
You can also get your credit reports for free at AnnualCreditReport.com and dispute inaccurate information yourself at no cost.
Credit Topics Our Neighbors Ask About
Areas We Serve Near Hugo and White Bear Lake
We work with clients across the northeast metro and all of Minnesota, including Forest Lake, Lino Lakes, Centerville, Mahtomedi, Vadnais Heights, Stillwater, Oakdale, Woodbury and St. Paul.
Frequently Asked Questions
Is AIM Credit Repair really based in Hugo?
Yes. AIM Credit Repair LLC is headquartered at 6022 145th St N in Hugo. We work with clients by phone across the Twin Cities metro and all of Minnesota.
I live in White Bear Lake. Do Washington County or Ramsey County programs apply to me?
It depends on your address. Most of White Bear Lake is in Ramsey County, and a small part is in Washington County. County programs are based on where the home is located, so check your property's county before you apply.
Can credit restoration help me qualify for down payment assistance?
Down payment assistance programs set their own requirements, and we can't promise approval. What we can do is review your reports, challenge anything inaccurate and help you plan your timing alongside the homebuyer education these programs usually require.
Can I fix my credit myself instead?
Yes. You have the right to dispute inaccurate information with the credit bureaus yourself, at no cost. Some people prefer to work with us so they have help reviewing their reports and tracking every step.
How do I get started?
Book a consultation online or call 651-333-7328. You'll set up credit monitoring through MyScore first so we can review all three of your reports together.
Ready to see what's really on your credit report?