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.
Late on a student loan payment? Discover the impact on your credit score and learn how Dovly AI can help get your credit health back on track!
Read more: What Happens If You Are Late on Student Loan Payment?
Late student loan payments hurt your credit, but Dovly AI can help. Learn how to dispute errors, negotiate with lenders, and boost your score.
Read more: How to Fix Late Student Loan Payments on Credit Report
Need AC financing with bad credit? Explore your options and see how Dovly AI can help improve your credit for better terms.
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Struggling with bad credit? Learn about financing options, loan requirements, and credit-building strategies to make homeownership a reality.
Read more: How to Buy a Modular Home with Bad Credit
Struggling to afford dental implants? Dovly AI can help improve your credit and unlock better financing options for your smile.
Read more: Financing Dental Implants with Bad Credit
Preparing to buy a home? Learn how to improve your credit with Dovly AI, save for a down payment, and navigate the mortgage process.
Read more: How to Get Ready to Purchase a Home: A Step-by-Step Guide
Want to buy land with bad credit? Explore financing options, credit tips with Dovly AI, and alternative loans to make it happen!
Read more: How to Buy Land with Bad Credit: Everything You Need to Know
Worried about renting with bad credit? Learn how to get approved with these 8 proven strategies and secure your next home.
Read more: How to Rent a House with Bad Credit History (Proven Tips & Strategies)
Learn what a 603 credit score means, how it affects lending, and how Dovly AI can help improve your credit for better financial opportunities.
Read more: Understanding a Credit Score of 603: What It Means and How to Improve It
Military service shouldn’t cost you your financial future. Deployments, frequent relocations, and the overwhelming transition back to civilian life create financial disruptions that most people never have to face. Credit accounts go dormant, bills get missed during overseas tours, and errors accumulate on credit reports while service members are focused on something far more important.
Read more: A Special Promo Code for Those Who Served: How Dovly AI Premium Helps Veterans Rebuild Their Credit
Wondering what a 598 credit score means for you? Learn how it affects your ability to get credit, loans, and how Dovly AI can help!
Read more: Understanding a 598 Credit Score & Tips to Improve
A 593 credit score limits lending options. Learn how Dovly AI can help repair your credit, reduce debt, and improve your score.
Read more: Improving a 593 Credit Score: Steps to Boost & Repair Your CreditJoin 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 require a paid Dovly AI membership after a 7-day free trial. $19.99/month thereafter; 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.