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 care services are designed to help those who are most in need of monitoring their credit report and scores, and 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!

What is Dovly’s success rate?

With a success rate of 91%, we know what it takes to make your credit right. While every individual’s situation is different, 91% of Dovly’s Credit Maximizer members see a 56 point score increase in 6 months or less.

*Based on a sample of 18,062 Dovly Credit Maximizer members as of May 2022.

How long before I start seeing results?

While every situation is different, 91% of our members see a 56 point score increase in 6 months or less, some even within the first 30 days.

*Based on a sample of 18,062 Dovly members as of May 2022.

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 care solution has a low 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.

Does Dovly have a free plan?

Yes, we do! Dovly Free is the first, free credit care solution for individuals looking to track, monitor and fix their credit. In that plan, you get one TransUnion dispute a month for free. No fees, no surprises — just free credit care.

What is the difference between the Dovly plans?

Dovly offers 2 plans: from free 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. 

Dovly Uplift™ for Visa Cardholders

What does Dovly Uplift for Visa cardholders program include?
  • Monthly Credit Report and Score – a detailed TransUnion® credit report to help cardholders keep up with their credit
  • Help detecting and disputing inaccurate items on TransUnion® credit reports in an optimal way with Dovly’s proprietary algorithm. Cardholders can:
    • Review their credit report for potential errors
    • Select items to dispute
    • Check dispute status
    • Receive alerts and recommendations
    • Learn via Dovly’s financial literacy knowledge center
  • Ongoing credit monitoring – cardholders receive alerts any time there is a 10-point change in their credit score
  • Credit Alerts – that look for signs of identity theft, along with notice of changes on cardholder’s report
  • Powerful results – 90% of Dovly members see a double-digit credit score increase within 6 months.*
  • Live U.S.-based member services & support – credit experts available to assist cardholders via chat, email, and phone
  • Convenient access via Dovly’s mobile app and website.

*Based on a sample of 18,062 Dovly members as of May 2022.

While Dovly’s platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

Who is eligible for Dovly Uplift?

Dovly Uplift is available at no cost to U.S.-issued Visa consumer credit, Visa consumer debit, and select Visa prepaid cardholders.

Eligible prepaid cards include: General Purpose Reloadable, Government Disbursement Reloadable, Payroll Reloadable, and Commercial Business Reloadable.  

Eligible Visa Cardholders will also have access to market-leading discounts if they are interested in upgrading to a more robust Dovly membership plan that includes premium features such as three-bureau dispute service, identity theft insurance, discount perks, and more.

Paid membership is not currently available to residents of Puerto Rico. While Dovly’s platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

How do cardholders enroll in Dovly Uplift? What information do they need to provide?

Simply visit, and enter a U.S.-issued Visa card number to verify eligibility. The card will not be charged. Enrollment in Dovly Uplift requires first and last name, email, password creation, social security number, date of birth, address, and phone number.

What impacts my credit score?

If a cardholder is an existing Dovly Member and their Visa card is eligible for Dovly Uplift, they can contact Dovly’s member success team here. The Dovly member success team will help the cardholder understand any differences in their plan, assist with verifying eligibility, and migrate their existing Dovly plan to Dovly Uplift or apply the market-leading discount available to Visa cardholders to their existing paid plan.