Credit Restoration in Minneapolis, MN
Whether you're getting ready to buy your first home in Minneapolis, trying to rent, or just tired of a credit report that doesn't look right, we'll go through all three of your reports with you and build a plan that fits your goals.
AIM Credit Repair is a Minnesota-owned credit restoration company based in Hugo, serving clients throughout Minneapolis and the Twin Cities metro. We meet with Minneapolis clients by phone, so you don't have to drive anywhere.
A lot of the Minneapolis residents who reach out to us are working toward one thing: buying a home. The City of Minneapolis offers down payment assistance programs, and they require homebuyer education and financial counseling before you sign a purchase agreement. Getting your credit in order early gives you more time and more options when you're ready.
How Credit Restoration Works With AIM
Sign up for credit monitoring. Before your consultation, you'll set up credit monitoring through MyScore so we can see all three reports.
Review all three reports together. We go through your Equifax, Experian and TransUnion reports with you, line by line.
Find what's inaccurate, incomplete or outdated. Wrong balances, wrong 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 furnishers and track every response.
Build your plan. We help you plan around your goal, whether that's a mortgage, an apartment or a car, including habits that help your credit over time.
We don't promise specific results, and accurate, verifiable information can't be removed by disputing it. We'll be honest with you about what's on your report.
Free and Low-Cost Resources for Minneapolis Residents
You don't have to go it alone, and you don't have to pay anyone to get started. These local organizations help Minneapolis residents with homebuying, budgeting and debt:
- City of Minneapolis homebuyer resources. Information on the city's down payment assistance programs and approved homebuyer education and financial wellness providers. https://www2.minneapolismn.gov/government/programs-initiatives/housing-development-assistance/home-ownership/homebuyer-resources
- Minnesota Homeownership Center. Home Stretch and Framework homebuyer education, plus a statewide network of homeownership advisors. https://www.hocmn.org
- LSS Financial Counseling (Lutheran Social Service of Minnesota). Nonprofit financial and credit counseling, with an office at the Center for Changing Lives, 2400 Park Ave, Minneapolis. Call 888-577-2227.
- Minnesota Attorney General's Office. Consumer information on debt collection and your rights under the Minnesota Debt Fairness Act. https://www.ag.state.mn.us
- Mid-Minnesota Legal Aid. Free legal help for eligible residents, including help with debt and garnishment. https://mylegalaid.org
You can also get your credit reports for free at AnnualCreditReport.com and dispute inaccurate information yourself at no cost.
Credit Topics Minneapolis Residents Ask Us About
Areas We Serve Near Minneapolis
We work with clients across the Twin Cities metro and all of Minnesota, including St. Paul, Bloomington, Brooklyn Park, Richfield, St. Louis Park, Golden Valley, Roseville and Edina.
Frequently Asked Questions
Do I need to live near Hugo to work with AIM?
No. AIM is based in Hugo and works with clients throughout Minneapolis, the Twin Cities metro and all of Minnesota.
Can credit restoration help me qualify for Minneapolis down payment assistance?
Down payment assistance programs have their own requirements set by the city and the lender, and we can't promise approval. What we can do is review your credit reports, challenge anything inaccurate and help you plan your timing. Pair that with the homebuyer education and counseling the city requires.
What should I do if I have a collection on my report?
Start by pulling all three reports for free at AnnualCreditReport.com and checking that the collection is accurate. Our guide on how to remove a collection from your credit report walks through your options.
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 keeping track of 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?