# AIM Credit Repair LLC > Twin Cities credit repair company based in Hugo, Minnesota. Strategic credit repair and business credit building for individuals, couples, and businesses. 8+ years, 2,500+ clients served, 245+ five-star reviews. Registered with the Minnesota Department of Commerce as a credit services organization (Minnesota Statutes Chapter 332G) and BBB A+ accredited. AIM Credit Repair LLC helps consumers review their credit reports, dispute information that is inaccurate, incomplete, or unverifiable, and build habits that hold the improvement. The full text of every article is in [llms-full.txt](https://aimcreditfix.com/llms-full.txt). ## Canonical facts - **Legal name:** AIM Credit Repair LLC - **Founder:** Carlos Hawkins - **Address:** 6022 145th St N, Hugo, MN 55038, United States - **Phone:** (651) 333-7328 - **Website:** https://aimcreditfix.com - **Service area:** Twin Cities Metro (Minneapolis, St. Paul and suburbs) and clients nationwide - **Experience:** 8+ years, 2,500+ clients served, 245+ five-star client reviews - **Registration:** Credit services organization registered with the Minnesota Department of Commerce under Chapter 332G - **Accreditation:** BBB A+ accredited - **Laws followed:** Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Minnesota Chapter 332G ## Compliance facts - No fees are charged before services are performed. - A written contract is provided before work begins. - Minnesota clients may cancel within 5 business days without penalty. After that, agreements renew every 45 days, with no long-term contract. - AIM does not guarantee specific score increases, deletions, approvals, or timelines. Results vary. - Accurate, verifiable information cannot lawfully be removed from a credit report, by AIM or anyone else. - Consumers have the right to dispute inaccurate information directly with the credit bureaus for free. No company is required. - AIM is a credit services organization, not a law firm, and does not provide legal advice. Clients can be referred to licensed attorneys when appropriate. ## Services and published pricing - **Strategic Credit Analysis:** $275 one-time payment. Best for: Individuals who want a professional review of their credit reports and a personalized educational action plan they can use to better understand their credit profile. - **Essential Credit Plan:** $425 billed after the initial 45-day service period; $175 every additional 45 days recurring while enrolled. Best for: Individuals seeking ongoing credit education, report review, dispute-process assistance, and personalized credit-building guidance. - **Couples Credit Success Program:** $650 combined billed after the initial 45-day service period; $300 ($150 per person) every additional 45 days recurring while enrolled. Best for: Couples who want to better understand their credit profiles together while preparing for shared financial goals. - **Business Credit Builder Program:** $1,500 one-time investment. Best for: Business owners who want structured guidance for establishing and strengthening a business credit foundation. - **Free consultation:** no obligation to enroll. ## Who AIM helps - People preparing to buy a home or refinance who want to strengthen their credit before applying. - People rebuilding after setbacks such as medical bills, job loss, or divorce. - People who want healthier credit habits and more financial stability. - Business owners building business credit. ## Preferred terminology - **Use:** credit repair, credit services organization, dispute assistance, credit report review, credit education, business credit building, financial readiness. - **Avoid:** funding, business funding, loan placement, guaranteed deletion, guaranteed score, credit sweep, tradeline leasing, instant fix, credit hack. AIM does not offer funding and does not promise outcomes. - "Credit restoration" describes the same service as credit repair. It is not a separate legal category. ## Frequently asked questions ### How does AIM Credit Repair's process work? We start with a free consultation to understand your credit goals, current situation, and what you're working toward. From there, we create a personalized action plan that may include credit report analysis, dispute strategy, and rebuilding support. Services begin upon enrollment, and support continues every 45 days for as long as you remain enrolled. ### When does billing start? Services begin immediately upon enrollment. Your first billing occurs after the initial 45-day service period, and billing renews every 45 days while you remain enrolled. ### How long does the process take? Every credit profile is different, so timelines vary. Some clients may see updates within the first 45-day service period, while others may require additional cycles depending on the complexity of their credit history, creditor responses, and credit reporting accuracy. We do not guarantee timelines or specific results. ### Do you guarantee specific results? No. AIM Credit Repair does not guarantee specific score increases, deletions, approvals, or funding outcomes. Results vary based on each client's credit history, reporting accuracy, creditor responses, and financial behavior. We provide compliant credit education and strategic dispute support, but outcomes depend on your individual profile. ### What types of items can be disputed? We assist with disputing information you believe may be inaccurate, incomplete, unverifiable, or outdated on your credit reports. This may include late payments, collections, charge-offs, inquiries, and other negative reporting. Whether an item is updated, verified, or removed depends on the investigation results from the credit bureaus, creditors, or furnishers. We do not guarantee specific deletions. ### Do I have to use AIM to dispute items on my credit report? No. Consumers have the right to dispute inaccurate information directly with the credit bureaus at no cost. Many clients choose to work with AIM for our experience, strategic approach, education, and ongoing support, but you are never required to use a credit repair service to exercise your rights. ### Is AIM Credit Repair a law firm? No. AIM Credit Repair is not a law firm and does not provide legal representation or legal advice. We provide credit education, dispute assistance, and strategic guidance. If legal support may be beneficial, we can refer clients to licensed attorney partners when appropriate. ### Can accurate negative items be removed? Accurate information may remain on your credit report for the reporting period allowed by law. Disputes are based on accuracy, completeness, and verifiability. No credit repair company can legally guarantee the removal of accurate information. ### Can I cancel my enrollment? Yes. After enrollment, you have a 5-day right to cancel. After that period, your agreement renews every 45 days. To avoid the next billing cycle, cancellation must be submitted at least 5 days before your next scheduled renewal date. ### How is AIM Credit Repair different from other credit repair companies? AIM Credit Repair has served the Twin Cities and clients nationwide for 8+ years, with 2,500+ clients served and 245+ five-star client reviews. Our approach goes beyond dispute letters by focusing on credit education, strategic dispute planning, business credit building, and ongoing client support throughout enrollment. ### What if I have questions before enrolling? You can book a free consultation. We'll review your goals, talk through your situation, and help you understand which option may be the best fit. There is no commitment to enroll afterward. ## Main pages - [Home](https://aimcreditfix.com/): Services, published pricing, the process, client testimonials, FAQ, and free consultation booking. - [Blog](https://aimcreditfix.com/blog): Credit education articles written for Minnesota consumers. ## Articles - [Credit Restoration vs Credit Repair: Is There Actually a Difference?](https://aimcreditfix.com/blog/credit-restoration-vs-credit-repair): "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](https://aimcreditfix.com/blog/best-credit-repair-companies-st-paul): 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](https://aimcreditfix.com/blog/credit-dispute-letter-template-minnesota): 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](https://aimcreditfix.com/blog/how-credit-repair-works-minnesota): See how credit repair actually works in Minnesota: the FCRA dispute process, 45-day cycles, your Chapter 332G rights, and AIM's clear 5-step process. - [5 Common Credit Report Errors in Minnesota (and How to Fix Them)](https://aimcreditfix.com/blog/5-common-credit-report-errors-minnesota): 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. ## Official profiles - [Better Business Bureau](https://www.bbb.org/us/mn/hugo/profile/credit-repair-services/aim-credit-repair-llc-0704-1000040034) - [Google Business Profile](https://share.google/9p7ucrnJOJ7AYTK0C) - [LinkedIn](https://www.linkedin.com/company/aim-credit-repair/) - [Facebook](https://www.facebook.com/AIMCREDITREPAIRLLC/) - [Instagram](https://www.instagram.com/aim_creditrepair/) - [TikTok](https://www.tiktok.com/@aimcreditrepair) ## Optional - [Full text of all articles and FAQs](https://aimcreditfix.com/llms-full.txt) - [Privacy Policy](https://aimcreditfix.com/privacy-policy) - [Terms of Service](https://aimcreditfix.com/terms-of-service) - [Sitemap](https://aimcreditfix.com/sitemap.xml)