Frequently Asked Questions

Reporting and Disputes

I paid for the Premium plan, why can I only see my TransUnion credit report?

Currently, Dovly AI only provides a TransUnion VantageScore 3.0. However, rest assured – for Premium members, we dispute your items with the major credit bureaus: TransUnion, and Experian.

Will disputing items hurt my credit score?

Nope! Don’t be afraid to dispute something you believe is an error. There is no penalty if you’re wrong, and disputing errors does not harm your credit score.

How long does it typically take to see improvements in my credit score with Dovly?

The timeline for credit improvement varies depending on your individual credit history and negative items on your report. Credit is a marathon, not a sprint. Most Dovly AI Premium members see a 82-point score increase within six months or less*, but every situation is different.

*Average increase experienced by a sample of 30,746 Dovly Premium members that have been enrolled more than 6 months, as of November 2024.

How many points can I expect my score to go up?

Within six months, Premium members see a 82-point score improvement on average*. Our data shows that members who are more engaged and log into Dovly AI regularly see significantly better results.

*Average increase experienced by a sample of 30,746 Dovly Premium members that have been enrolled more than 6 months, as of November 2024.

What are the different dispute statuses and what do they mean?
  • Scheduled: Your disputes are scheduled and will be automatically sent by our AI at the optimal time
  • Sent: Your disputes have been submitted to the bureaus. The bureaus have up to 45 days to review your items, although it’s usually much faster!
  • Completed – Information Deleted: The item was successfully removed from your credit report! Go Dovly AI!
  • Completed – Verified as Accurate: The bureaus checked with the creditor and found the reported information to be correct. The item was not removed from your credit report. Our Premium plan allows you to “re-dispute” an item verified as accurate. Currently, that feature is not available for the Free plan.
Why can’t I see my dispute results for Experian?

Experian mails the dispute results to your home address. Please look out for a white envelope – usually unmarked.

Why do you usually send out three disputes at a time?

We promise – there’s a method to our madness. Due to the scientific approach of our AI engine, we have found three to be the optimal number. This makes it less likely for the bureaus to flag your account as frivolous, as well as helps feed the algorithm so subsequent rounds will be more effective (a fancy way of saying we use past results to get smarter). Think of Dovly AI as a sniper – we target items and get them methodically removed. We’ve proven time and again that our approach is significantly more effective. Just stick with us and be patient. If it can be removed, we’ll get it off your report!

An item I disputed has been removed, but it still appears on my credit report.

As a Premium member, you can refresh your credit report weekly. If you continue to see an item on your credit report that was marked as deleted, please be patient and wait until your next scheduled report refresh date to see its removal.

My item came back as accurate – now what?

When a dispute comes back “Verified as accurate”, it means the bureaus have checked with the creditor and found the reported information to be correct. But – you’re in luck – our Premium plan allows you to “re-dispute.” Just select the item you want to re-dispute, choose a reason code, and we’ll take it from there!

Does Dovly AI remove inquiries from a credit report?

We don’t recommend disputing hard inquiries for a couple of reasons. While hard inquiries will usually stay on your credit report for two years, they only affect your score for about six months to a year. Therefore, removing a hard inquiry over a year old may not raise your score. Additionally, disputing an inquiry could remove the tradeline altogether, and potentially hurt your credit. You must consider the potential consequences before disputing a hard inquiry.

Can deleted items reappear on my credit report?

In unusual situations, items that have been successfully deleted from your credit reports can resurface. Generally, if you’ve managed to remove something from your credit reports, there’s likely a valid reason for its removal. According to the Fair Credit Reporting Act, the credit bureau is required to notify you before re-reporting a previously deleted entry. If a questionable credit item is later verified, Dovly AI will assist you in challenging it once more, provided there are valid reasons to do so.

I have no errors to dispute, what now?

Our AI engine, tools, and resources are valuable for anyone looking to better understand, monitor, manage, and protect their credit, regardless of their current credit score. Log in regularly to get ongoing guidance and personalized action plans to help you work toward your credit goals, whatever they may be.

Account Management

Can I cancel my Dovly AI subscription at any time?

Yes, but why would you want to? You can cancel your subscription at any time with a click of a button. No cancellation fees or penalties.

I need to update my account information (email, phone, etc.)

To update your account information, follow the instructions below.

  1. Mobile
    1. Tap the icon in the upper left corner
    2. Tap “Personal Information”
    3. Edit your information

  2. Web
    1. Navigate to “My Account”
    2. Edit your information
I can’t log in – what should I do?

If you’re having trouble accessing your account, we recommend resetting your password at the login page of the mobile app or at app.dovly.com/login. If that doesn’t work, try a different email address as often our members may have enrolled under a different email address. If you’re still having trouble, you can always contact us at support@dovly.com.

How do I contact Dovly AI?

We’re dedicated to helping you! Our business hours are Monday – Friday from 8am-5pm MST. You can reach via phone, chat, text or email.