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.
Discover practical tips for building credit from scratch, including secured cards, credit builder loans, and becoming an authorized user.
Read more: How to Start Building Credit For The First Time
Understand the distinction between Resident Scores and Credit Scores and how they impact your housing and financial future.
Read more: Resident Score vs Credit Score
Understand Creditwise vs. FICO scores, key factors impacting your credit, and how to navigate financial decisions effectively.
Read more: Creditwise vs. FICO
Building credit as a college student doesn't have to be a nightmare. Discover our expert tips and start building your credit today!
Read more: How to Build Credit as a College Student
Whether you're starting with no credit history or looking to strengthen your profile, learn essential steps to establish good credit.
Read more: How to Start Building Credit With No Credit
Ready to buy a car? Discover what lenders look for, benefits of a higher credit score, and how to confidently navigate the car buying process.
Read more: What Credit Score is Needed to Buy a Car?
Ever wonder how to remove charge-offs from your credit report? Learn effective strategies to do it & improve your creditworthiness over time.
Read more: How to Remove a Charge-off from Your Credit Report
A 720 credit score puts you on the right track to financial security. But what can it get you exactly? Discover how to take advantage of it!
Read more: What Can You Get With a 720 Credit Score?
Wondering how you can improve a 500 credit score? Uncover the ways & learn effective strategies for credit improvement of scores in the 500s.
Read more: How Can You Improve a 500 Credit Score?
Wondering how long to get a 700 credit score? Discover the timeline & learn effective strategies for faster credit improvement.
Read more: How Long to Get a 700 Credit Score?
Learn the difference between FICO 5 and FICO 8, how to check the right score for your needs & unpack the enigma of credit scoring.
Read more: FICO 5 vs FICO 8: Understanding Credit Scores
Learn how you can fix your credit after Identity Theft and get back to financial health and personal empowerment.
Read more: How to Fix Your Credit After Identity TheftJoin 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.