Credit Restoration in St. Paul, MN
Whether you're working toward your first home in St. Paul, applying for an apartment, 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 based just north of St. Paul in Hugo, working with clients in every St. Paul neighborhood, from Frogtown, Rondo and the Midway to Payne-Phalen, the East Side, the West Side and Highland Park. We work with clients by phone, so you can get started without leaving home.
If you're planning a big step, like buying a home or renting a new place, St. Paul has real help available. The City of Saint Paul runs its own down payment assistance program for income-qualified buyers, and there are strong local nonprofits that help with homebuyer education and financial coaching. Getting your credit reports in order early gives you more time to use them.
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, in plain language.
Spot what's inaccurate, incomplete or outdated.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.
Choosing a Credit Repair Company in St. Paul
Not sure who to trust? We wrote a plain checklist for judging any credit repair company, including the red flags that are actually illegal and the questions to ask before you sign. Read it here: Best Credit Repair Companies in St. Paul: What to Look For.
Local Resources for St. Paul Residents
You don't have to pay anyone to get started. These St. Paul and statewide organizations offer homebuyer help, education and financial coaching:
- City of Saint Paul home buying resources. Information on the city's Downpayment Assistance Program for income-qualified buyers, the Inheritance Fund, and other homebuyer programs. https://www.stpaul.gov/departments/safety-inspections/rent-buy-sell-property/selling-or-buying-properties/home-buying-and
- Rondo Community Land Trust. Minnesota's first community land trust, offering affordable homeownership programs for income-qualified households in St. Paul and suburban Ramsey County. 1041 Selby Ave, St. Paul.
- Prepare + Prosper. Free tax preparation and free one-on-one financial coaching through its Money Mentors program, including help building credit. 2610 University Ave W, Suite 450, St. Paul. https://prepareandprosper.org
- LSS Financial Counseling (Lutheran Social Service of Minnesota). Free, confidential financial and credit counseling by phone, online or in person. 888-577-2227. https://www.lssmn.org/financialcounseling
- Minnesota Homeownership Center. Statewide homebuyer education (Home Stretch and Framework) and a network of homeownership advisors. https://www.hocmn.org
You can also get your credit reports for free at AnnualCreditReport.com and dispute inaccurate information yourself at no cost.
Credit Topics St. Paul Residents Ask Us About
Areas We Serve Near St. Paul
We work with clients across the Twin Cities metro and all of Minnesota, including Minneapolis, Roseville, Maplewood, West St. Paul, South St. Paul, Woodbury, White Bear Lake and Hugo.
Frequently Asked Questions
Do you have an office in St. Paul?
AIM Credit Repair LLC is based in Hugo, just north of St. Paul. We work with St. Paul clients by phone, so you don't need to come in.
Can credit restoration help me qualify for St. Paul down payment assistance?
Down payment assistance programs set their own income, credit and education requirements, and we can't promise approval. What we can do is review your credit reports, challenge anything inaccurate and help you plan your timing alongside the program's requirements.
How do I know if a credit repair company is legitimate?
A legitimate company won't guarantee results, won't charge before the work is done, and will tell you that you can dispute errors yourself for free. Our checklist on choosing a credit repair company in St. Paul walks through the rest.
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?