AIM Credit Repair LLC Helps Clients Rebuild Credit and Second Chances
AIM Credit Repair LLC, founded by Carlos Hawkins, helps individuals rebuild their credit while working to expand financial education for people re-entering society.
When Carlos Hawkins launched AIM Credit Repair LLC, the inspiration came from a moment that stuck with him. After picking up his brother from jail, Hawkins took him to get a phone so he could reconnect with the world. Despite being released, his brother wasn’t able to get on a phone plan due to his credit.
“I just felt so bad… I had to get him a prepaid phone,” Hawkins recalled. “That’s what started my thought process about credit repair, because I said I need to help these inmates. There are other people like him, and I would hate for them to have to go through additional barriers within the re-entry process.”
That experience pushed Hawkins to learn everything he could about credit and how it affects people’s ability to rebuild their lives. AIM Credit Repair LLC has now been operating for nearly a decade, though Hawkins notes the first two years were spent navigating licensing requirements before the company could fully launch.
The early years of the business were far from easy.
“It was a lot of learning,” Hawkins said. “It was hard. People don’t really trust credit repair, so that was a barrier within itself.”
To build credibility, he invested in courses, studied the industry and continued refining his approach. Along the way, he admits he made mistakes, but he stayed persistent.
Despite the challenges, the business began to grow quickly. In its first year, the company generated about $4,000 in revenue. By the second year, that number had jumped to about $55,000.
“It just took off from there,” Hawkins said.
Over time, the work has proven to be about much more than numbers on a credit report. Hawkins recalls one experience that showed him the deeper impact of the business when he began helping a Somali family that believed they would never qualify for credit or homeownership.
“It started with two people,” he said. “Then I ended up helping the whole family through the rebuilding process.”
There were setbacks along the way, but the family stayed committed. Eventually they were able to move forward with their goals.
“My heart was so full after that,” Hawkins said. “To see a family rejoice and send their kids, nieces and nephews to me to help with their credit made me realize how I play a big part in some people’s family tree.”
Through his work, Hawkins often shares practical advice for people trying to rebuild or strengthen their credit. One of the most common mistakes he sees is people closing accounts too quickly.
“Don’t close any accounts right away,” he said.
He also advises people to be mindful of how much of their available credit they use.
“If you’re making a big purchase, split the purchase among multiple credit cards so you’re not utilizing the full balance on one card,” Hawkins explained. “If you use too much of it, your score is going to drop.”
While AIM Credit Repair LLC is based in Minnesota, the company primarily works with clients online rather than in person, allowing Hawkins to assist people across different communities.
Looking ahead to 2026, Hawkins hopes to take his work even further by partnering with correctional facilities to provide financial education for people preparing to return home.
“My goal is to somehow break into the jail system,” he said. “I want to become that preferred vendor for financial literacy for inmates who have about a year left on their sentence and are transitioning back into the real world.”
For Hawkins, that mission brings his business back to the moment that started it all, helping people rebuild their financial foundation and giving them a fair chance to move forward.
“I just want to be that person for those guys,” he said.
For more information, visit www.aimcreditfix.com.