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.
Struggling with a 611 credit score? Learn what it means, how it impacts your financial health, and actionable steps to improve with Dovly AI.
Read more: Understanding a 611 Credit Score: What It Means and How to Improve It
Make 2024 your best financial year yet! This guide covers budgeting, debt management, investing, and more. Take control of your finances with tips for every stage of your journey.
Read more: Financial Planning Tips for the New Year
Struggling with a 500 credit score? Learn simple steps to improve your score and discover how Dovly AI can simplify your credit journey!
Read more: How to Improve Credit Score From 500 to 700
Discover what a 637 credit score means, your loan and credit card options, and simple strategies to improve your financial standing.
Read more: Understanding a 637 Credit Score: What It Means for Your Finances
Can you buy a house with a 650 credit score? Explore loan options, mortgage tips, and strategies to improve and secure your dream home.
Read more: How Much of a Home Loan Can I Get With a 650 Credit Score?
Learn how long to improve a 500 credit score and the best strategies to boost your credit for better financial opportunities.
Read more: How Long to Improve 500 Credit Score: Your Guide to Better Credit
Learn how to get a car loan with a 600 credit score. Explore challenges, improve your credit, and find financing options that work for you.
Read more: Navigating a Car Loan with a 600 Credit Score: What to Know
Learn what a mixed credit file is and how to fix it. Discover causes, effects, and steps to resolve errors and protect your financial health.
Read more: How to Fix a Mixed Credit File
Rebuild your credit during a Ch. 13 bankruptcy with smart strategies, timely steps, and tools like Dovly AI to secure your financial future.
Read more: How to Rebuild Credit While in Chapter 13 Bankruptcy
Stuck at a 750 credit score? Learn why your score is plateauing and how to reach the excellent range with tips, strategies, and Dovly AI.
Read more: What to Do When Your Credit Score is Stuck at 750
Find out how payday loans impact credit, the hidden risks involved, and explore safer alternatives to safeguard your financial future.
Read more: Can Payday Loans Affect Your Credit?: What You Need to Know
Learn how to remove unpaid child support from your credit report, fix errors, and improve your credit score with our step-by-step guide.
Read more: How to Remove Child Support from Your Credit ReportJoin 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. *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.