Author
Co-Founder and Chief Credit Officer
Tedis Baboumian is Dovly AI's Co-Founder and Chief Credit Officer. With over 20 years of experience in the consumer credit industry, Tedis is an authority on the credit industry and has cultivated deep relationships with the major credit bureaus and has developed extensive practical expertise in matters relating to credit reporting, regulatory compliance, information security, and fraud mitigation. Following a distinguished career in the U.S. Marine Corps as a specialist in intelligence gathering, legal services, and weapons training, Tedis returned to civilian life, joining Rapid Credit Reports (RCR), an independent credit reporting agency. Tedis managed compliance and operations for RCR, and eventually assumed leadership as the company's CEO. In 2018 he founded Dovly AI, alongside Nirit Rubenstein, Dovly AI's CEO. Tedis holds a bachelor's degree in management information systems from California State University, Long Beach.
Six people or services can help you fix your credit score, and four of them can start at $0. Here is who fixes what, what each one charges, and when to escalate.
Read more: Who Can Help Me Fix My Credit Score? Your 6 Real Options
Student loans can build your credit more than they hurt it. Six moves that protect your score while you repay, from autopay to disputing servicer errors.
Read more: How to Increase Your Credit Score With Student Loans
Disputing a credit report costs $0. Every item, every credit bureau, every channel. The only money on the table is postage, about $0.82 for a stamp or $6.37 certified.
Read more: How Much Does It Cost to Dispute a Credit Report?
Credit building subscriptions run $5 to $35 a month, and builder loans $10 to $150. But the monthly fee is not the real cost. Here is what you net out over the full term, and how to pay less.
Read more: How Much Do Credit Building Subscriptions Cost?
Credit repair runs $50 to $150 a month, $200 to $1,500 flat-rate, or $10 to $150 per deletion, and $0 if you do it yourself. Here’s what each pricing model really costs, and how to tell if a quote is fair.
Read more: How Much Does Credit Repair Cost? 2026 Prices by Model
AI for personal finance can budget, track spending, and monitor your credit 24/7, but it can't replace a human advisor. Here's what AI does for your money, the tools to know, and how to use them safely.
Read more: AI for Personal Finance: What It Can Do, What It Can't, and How to Use It Safely
You don’t need a credit score to start credit monitoring as a new immigrant in the US. All you need is an SSN or ITIN, plus knowing which tools actually work.
Read more: Credit Monitoring for Recent Immigrants in the US: How to Track Your Credit From Day One
A credit score under 700 costs money. It affects the interest rate on your car loan, your mortgage eligibility, and whether lenders offer you their best terms or something decidedly worse. This guide breaks down exactly what a sub-700 FICO score means for your wallet, what factors are holding it back, and how a concrete
Read more: What a Credit Score Under 700 Really Means and How to Fix It
Your credit score from home doesn’t follow you here. Not because the US doesn’t trust you, but because American credit bureaus only track what’s happened on US soil. When you first arrive, that file is empty. And that can stop you from renting an apartment, getting a phone plan, or qualifying for an auto loan,
Read more: Credit Score Tips for Immigrants: How to Build US Credit From Zero
Seeing a credit score under 500 is jarring. You’re not an outlier, though. About 16% of U.S. consumers fall in the “Very Poor” range (300 to 579). This guide covers anyone in that range. Worth knowing upfront: FHA mortgage eligibility starts at 500, so if your score falls below that, you have one extra milestone
Read more: What a Credit Score Under 500 Really Means and How to Move Past It
If you’ve recently moved to the U.S., you likely don’t have a credit history yet, and that’s completely normal. Many new immigrants arrive without a credit score or any established credit history, which can make renting an apartment, getting a credit card, or qualifying for a loan feel harder than it should. You can build
Read more: How to Build Credit as an Immigrant: A Step-by-Step Guide to Starting Your Credit Journey in the U.S.
You did everything right. Got the degree, landed the job. Now you’re eyeing your first home and wondering if your student loan debt is going to blow the whole thing up. Here’s the honest answer: student loans don’t automatically kill your chances of buying a home. But they do affect the three things mortgage lenders
Read more: Student Loans and Credit Scores: The Real Impact on Your Homebuying PowerJoin over 2,000,000 members who have boosted their credit scores with Dovly AI. Start for free. No credit card required.
Every case is different, and not everyone will achieve the same results. ¹Average increase experienced by a sample of 2,922 Dovly AI Premium members that have been enrolled more than 6 months, as of December 2025. ²Increase experienced by a sample of 8,687 Dovly AI members that were using the build product, as of March 2025. ³Averages based on data after 90 days of enrollment from all Dovly AI members enrolled between November 2023 and May 2024. ⁴Based on a sample of 789,548 Dovly AI members, as of November 2024. ⁵Average increase experienced by a sample of 107,727 Dovly AI Free members who remained enrolled for at least 9 months, as of January 2026. ⁶Dovly AI's automated credit engine maximizes your results by submitting the optimal number of disputes each month based on a combination of factors unique to your credit report. ⁷The combined total credit score increase among Dovly members through December 2025. ⁸Average increase experienced by all Dovly members that are enrolled in any of the Dovly credit builder products, as of April 2026. ⁹Money features are free to start. Continued access requires a paid Dovly AI membership at $19.99/month; cancel anytime. Dollar amounts shown are illustrative examples; individual results vary based on your accounts and spending. Dovly AI surfaces potential savings and does not provide financial, tax, or legal advice. *Eligibility for the $2,000 line of credit is subject to approval and completion of enrollment. Terms and conditions apply. Credit builder products are designed to help improve your credit with responsible use.