Frequently Asked Questions

General Credit-Related Questions

What is a credit score and why is it important?

Your credit score is a 3-digit number between 300 and 850 that shows your credit “worthiness.” Lenders use it to determine your eligibility for loans, credit cards, and other financial products. A higher score typically means better access to credit and lower interest rates. Credit bureaus generally consider anything above 650 a good credit score.

What is a credit report?

A credit report is a track record of both your personal and financial credit information. It includes information from public records, personal identification, and debt accounts. Your report will show your payment history, debt balances, items in default, collections, and who you owe money to.

What impacts a credit score?

There are five main contributors to your credit score—payment history, credit usage, credit age, credit mix, and recent credit. The most important of these factors is your payment history. Learn more about what affects a credit score HERE.

Can I have more than one credit score?

Yes, it’s common to have multiple credit scores. There are various credit scoring models, which means your creditworthiness can be assessed differently depending on the model used by lenders or institutions. Dovly helps improve your overall credit health, which can lead to better scores across all the different models.

How many credit bureaus are there?

There are three main credit reporting bureaus: Equifax, Experian, and TransUnion.

What kind of items can be removed from my credit report?

Any negative item that is inaccurate, unfair, or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions, and more.

How long do negative items stay on my credit report?

Negative items like late payments or collections can typically remain on your credit report for seven years. Bankruptcies can stay for up to ten years. Dovly can assist in disputing inaccurate negative items.

What’s the difference between a soft inquiry and a hard inquiry on my credit report?

A soft inquiry, such as a credit check for pre-approval offers, does not impact your credit score. A hard inquiry, often associated with credit applications, can have a temporary negative effect on your score (and will usually remain on your credit report for two years as an inquiry).

Can I improve my credit score on my own without a service like Dovly AI?

Absolutely. You can do independent research on good credit practices.  You can contact the credit bureaus and your creditors to get any questionable negative items removed from your credit reports.  That said, Dovly provides personalized tips and tricks to boost your credit and keep it high.  Dovly AI streamlines the dispute process and can often achieve faster results with our AI credit engine.


What is Dovly AI?

Dovly AI is a comprehensive AI credit solutions engine that monitors, (re)builds, and protects your credit. It offers a range of tools and services to assist you in achieving better financial health.

How does Dovly AI help me improve my credit score?

Dovly AI helps in a number of ways. In addition to analyzing your credit report and identifying errors that may be impacting your score negatively, Dovly AI is an advanced credit engine that monitors, (re)builds, and protects 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 electronically submitting your disputes to credit bureaus, as well as providing personalized tips and tricks to increase your credit.

Is Dovly AI really free?

Yes, Dovly Free is the first, free credit care solution for individuals looking to get on a path to better credit. Dovly’s Free plan provides a monthly TransUnion credit report and score, as well as manual dispute selection with TransUnion only. No credit card required. We also offer a Premium subscription with additional benefits such as our Smart AI engine proven to optimize score improvement, enhanced daily credit monitoring, unlimited AI-powered disputes with all 3 bureaus, weekly TransUnion credit report and score, and many more features for those looking for more extensive credit care.

Does Dovly AI provide credit reports for all three major bureaus?

Currently, Dovly AI only provides a TransUnion VantageScore 3.0. Premium members benefit from having their errors disputed with all three major credit bureaus: TransUnion, Equifax, and Experian.

Does Dovly AI dispute with all three credit bureaus?

For users on the Free plan, Dovly AI exclusively submits disputes to TransUnion. However, Premium members benefit from having their errors disputed with all three major credit bureaus: TransUnion, Equifax, and Experian.

Is Dovly AI available in all states?

Yes! We serve members in all 50 United States plus the District of Columbia. We also serve all 5 major U.S. Territories.

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

Within six months, Dovly AI Free members see an average score improvement of 31 points, while Premium members see a 79-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 21,118 Dovly Free members that have been enrolled more than 6 months, as of September 2023. Average increase experienced by a sample of 18,831 Dovly Premium members that have been enrolled more than 6 months, as of September 2023.

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 members see double-digit score increases within four months or less, but every situation is different.

Can Dovly AI help me build credit from scratch?

Yes, Dovly AI can help individuals establish credit history by providing guidance on responsible credit usage and suggesting suitable financial products like secured credit cards, or credit-building solutions.

Can Dovly AI help me regardless of what my credit score is?

Yes, Dovly AI is designed to help individuals at any stage of their credit journey, whether you have a high credit score and want to maintain it or if your credit score needs improvement. Our AI engine, tools, and resources are valuable for anyone looking to better understand, monitor, and manage their credit, regardless of their current credit score. We provide guidance and personalized action plans to help you work toward your credit goals, whatever they may be.

Can Dovly AI help me even if I don’t have any errors to dispute?

Yes! Our AI engine, tools, and resources are valuable for anyone looking to better understand, monitor, and manage their credit, regardless of their current credit score. We provide guidance and personalized action plans to help you work toward your credit goals, whatever they may be.

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.

What makes Dovly AI different from other credit monitoring services?

Dovly distinguishes itself by its holistic approach to credit management. We don’t just diagnose you with a credit score or problem; we’re committed to addressing and resolving your credit issues. Dovly offers a comprehensive credit care platform, providing you with all the necessary tools to effectively manage your credit and improve your financial well-being, all within one user-friendly interface. No more juggling multiple solutions – Dovly is your all-in-one solution for credit management.

Does Dovly AI provide educational resources on credit and personal finance?

Yes, Dovly AI offers a range of educational resources, including articles, guides, and tips on credit management and personal finance. We believe that informed consumers make better financial decisions, and we are here to help you access valuable information. Premium members can also take advantage of our AI chatbot that will provide personalized guidance based on your credit history, report, and financial goals.

Does Dovly AI offer credit monitoring services?

For members on the Premium subscription, Dovly AI provides real-time credit monitoring, alerting you to any changes in your credit report, as well as ID protection. This monitoring helps you stay informed about your credit status and detect potential issues early.

How do I get started with Dovly AI?

It’s easy!  Simply click HERE to get started. Enroll in minutes (no call center sales agents – EVER), and let us help you get on your way to a head-turning credit score.

Is Dovly available for businesses or only for individuals?

Currently, Dovly AI is designed to assist individual consumers in managing and improving their personal credit. We do not offer services tailored for business credit monitoring or assistance.

Is Dovly AI safe and secure?

Dovly AI is 100% committed to your data privacy and security. We always use bank-level encryption in all data transmissions. We use your data for identity verification with the credit bureaus, fraud prevention, and to comply with federal laws. We will never share or sell your data to third parties without consent. Check out our Privacy Policy for more details. But more than anything our members can attest to our value and service.

Does Dovly AI have an app?

Yes! If you want to see better results and get alerts whenever anything important changes on your credit download our app today.

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, Real-time TransUnion report and score, identity theft insurance, and more. 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. More about Dovly Uplift HERE