Frequently Asked Questions

Credit Scores

What is a credit score?
A credit score is a three-digit number between 300-850 that is calculated using the items on your credit report which represents your creditworthiness as an individual. The higher the score, the more favorable and trustworthy you are to creditors.
What is a credit report?
A credit report is a document that essentially houses all of your credit information and is used to make up your credit scores. This includes things such as personal information, employment, credit accounts, loans, public records, and credit inquiries.
What is a credit bureau?
Credit bureaus are the agencies that package all of your credit information and provide the credit reports. They then sell that information to businesses inquiring about your credit score and history. The most influential bureaus in the United States are TransUnion, Experian, and Equifax.
What impacts my credit score?
At Dovly, we use the VantageScore model which means there are 5 components that make up your credit score. Those 5 components are Payment History (most impactful at 40%), Depth of Credit (21%), Credit Utilization (20%), Total Balances (11%), and Recent Credit (5%).

About Dovly

How does Dovly work?
We use an advanced credit engine that tracks, manages, and restores your credit on an ongoing basis. It is fully automated, meaning we can help 24/7 without you having to contact us. Our engine has a secret recipe for submitting your disputes to credit bureaus. All you need to do is select the negative items you want us to dispute then sit back and watch your credit improve!
When can I start seeing results?
Every month, Dovly’s engine analyzes and prioritizes your inaccurate items based on impact. Our data shows that submitting three disputes to the credit bureaus at a time is optimal to achieve the best results.
Is credit improvement right for me?
Our credit improvement services are designed to help those who are most in need of removing inaccurate items and errors from their report. If you were ever denied a financial product such as a loan or credit card, made a late payment, suffered from identity theft, or had your credit checked recently – We can help improve your credit!
How long before I start seeing results?
While every situation is different, 91% of our customers see results in 6 months or less, some even within the first 30 days.
Can I trust Dovly?
Yes, you can trust Dovly. Not only do we work with national banks, reputable businesses, and personal finance companies, we also have executive leaders who are accomplished and respected by industry peers. But more than anything our customers can attest to our value and service. Our Database is also encrypted and all personal information is stored on a segregated network to provide an additional layer of security.
How much is Dovly?
We have a free basic credit improvement plan, and our more complete credit solutions have a low monthly fee that is a fraction of the cost of traditional services, and the best part is that there are no hidden fees. Click here to view our pricing options.
What is the difference between the Dovly plans?
Dovly offers 3 plans: from basic credit improvement to our most aggressive and complete credit solution, find the plan that works for you here.
Do I have to live in a certain state to use Dovly?
We serve members in all 50 United States plus the District of Columbia. At this time, however, residents of Georgia, and Minnesota are only eligible for Dovly Free service.