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 the reasons behind a 40-point drop in your credit score and explore practical solutions to regain your financial health.
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Discover how long it takes to build your credit score and the steps involved. Learn what you can do to improve it—read our complete guide now!
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Discover the key differences between rental scores and credit scores, and learn how they impact both renters and landlords.
Read more: Rental Score vs Credit Score: What Landlords Actually Look At
Discover a realistic timeline for rebuilding your credit score from 400 and understand the steps involved to start your journey today.
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Discover the key differences between TransUnion credit scores and FICO scores. Learn how each affects your financial decisions.
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Wondering if a lawyer can help improve your credit? Discover key insights and practical advice on hiring legal assistance for credit issues.
Read more: Can I Hire a Lawyer to Fix My Credit?Join 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.