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.
Learn how a 561 credit score affects your finances and discover practical tips to take control of your credit journey with Dovly AI.
Read more: 561 Credit Score: What It Means and How to Improve It
Struggling with a 583 credit score? Discover its effects on your finances and practical tips to improve with Dovly AI.
Read more: 583 Credit Score: What It Means and How to Improve It
597 Credit Score: What It Means, How It Affects You, and Steps to Improve
Read more: 597 Credit Score: What It Means, How It Affects You, and Steps to Improve
Learn how to effectively dispute an eviction on your credit report. Understand your rights and steps to improve your credit status.
Read more: How to Dispute Evictions on Credit Reports (Without Feeling Overwhelmed)
Learn how to dispute credit inquiries effectively. Understand your rights and options to improve your credit report with Dovly AI.
Read more: Can You Dispute Credit Inquiries?
Discover the key differences between FICO Credit Scores and Experian, and understand their impacts on your credit health.
Read more: FICO Credit Score vs Experian: What’s the Real Difference (and Why It Feels So Confusing)?
Recovering from repossession? Discover practical steps to rebuild your credit and regain financial stability. Read for actionable insights.
Read more: How Do I Fix My Credit After Voluntary Repossession?
Struggling with bad credit? Discover practical tips and steps to secure a hard money loan. Read the article to take control of your finances.
Read more: How to Get a Hard Money Loan With Bad Credit
Struggling with bad credit? Discover practical tips and options to refinance your car effectively and improve your credit with Dovly AI.
Read more: How Can I Refinance My Car With Bad Credit?
Struggling with a 558 credit score? Discover practical options and effective tips to improve your credit standing with Dovly AI.
Read more: 558 Credit Score: What It Means & How to Improve It
Wondering how a personal loan affects your credit score? Discover insights and tips to manage your credit wisely with Dovly AI.
Read more: How Much Does a Personal Loan Drop Your Credit Score?
Struggling with a 556 credit score? Discover practical tips for improvement and explore your options to boost your financial health.
Read more: 556 Credit Score: What It Means and How to Improve ItJoin 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.