
How Dovly AI Works
Check, build, repair, and protect your credit score with Dovly’s AI-powered tools. Free to start. No credit card or hard pull required.
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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.

Check, build, repair, and protect your credit score with Dovly’s AI-powered tools. Free to start. No credit card or hard pull required.
Read more: How Dovly AI Works
Explore what a 614 credit score means for your financial health, how it impacts your options, and actionable steps to improve it.
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Read more: 796 Credit Score: What It Means, What You Can Get, and How to Make It Even Better
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Read more: 618 Credit Score: Approval Odds, Score Factors, and How to Improve It
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Read more: 789 Credit Score: What It Means, What You Can Get, and How to Reach 800
Is a 781 credit score good, bad, or average? Discover what this score means for your financial future and how it impacts your credit options.
Read more: 781 Credit Score Guide: Unlock Better Rates and Reach 800
Struggling with a 596 credit score? Discover effective steps to improve your rating and boost your financial health. Read the article for practical tips!
Read more: Understanding Your 596 Credit Score
Discover why buying a car can lead to a 100-point drop in your credit score and learn how to manage your credit effectively.
Read more: My Credit Score Dropped 100 Points After Buying a Car
Learn how to buy a car with bad credit. Get tips on loans, credit scores, preapproval, and saving money—even with a low FICO score.
Read more: How to Buy A Car With Bad Credit
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Read more: 624 Credit Score: Stuck in the Gray Zone
Explore the implications of a 686 credit score and discover opportunities to improve your financial standing with Dovly AI.
Read more: 686 Credit Score: Let’s Break It DownJoin 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 are free to start. Continued access requires a paid Dovly AI membership at $19.99/month; 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.