Frequently Asked Credit Questions
A credit score is a three-digit number between 300-850 that represents your credit info. The higher the number, the more creditors view you as likely to pay loans on time in the future.
A credit report is a document that has information about your credit history and your repayment of debts. This can include current and past personal information used to apply for credit, including jobs you've held and places you've lived, as well as details about your credit accounts and public records about you.
A credit bureau is a company that packages the info in your credit report. It then sells that info to businesses who are considering giving you credit. The most influential bureaus in the U.S. are TransUnion, Experian, and Equifax.
The short answer is your payment history affects your credit score the most, but it's only one factor of five. The other pieces are: amounts owed, credit history, credit mix, and new credit. Setting automatic payments each month will help your payment history, which helps your score the most.
If you have inaccurate or misleading information weighing down your credit score, then disputing these items with the bureaus may be your best choice. We can pull your credit report to see whether anything needs to be challenged.
Here are 5 other things you can do to improve your score:
- Pay your bills on time
- Don't max out your credit cards
- Don't apply for a lot of credit cards at once
- Don't close credit cards and credit accounts all at once
- Have a variety of credit accounts, i.e., installment, revolving and open accounts
We use a “soft pull” that won't show up on your report and won't hurt you at all!
We use a fully automated algorithm to determine the negative items on your report, rectify those items with the credit bureaus, and monitor your credit on an ongoing basis.
We never sleep! No really, we don't. Our software and system is fully automated. Meaning we can help you 24/7 and you don't have to call anyone. In addition, our system uses a scientific approach so we usually get a better result for our customers.
You can absolutely trust us! 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.
We 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 the latest pricing options.
There are three major credit bureaus: TransUnion, Experian, and Equifax. Our 1-bureau option only pulls the TransUnion report. If there are issues that appear on the other two reports then you need to use the 3-bureau option to get those issues resolved.
92% of our customers see a result in 6 months or less. Many even within 30 days. It all depends on your situation, and every case is slightly different.
Our customers see an average improvement of 50 points on their score, but each case is different and depends on the individual situation.
We provide a monthly credit report update for all our customers at no additional cost. You can also sign up for daily alerts about changes to your credit report.
We know you'll love our services, but you can cancel at anytime for any reason with no further obligation.
Because Dovly only charges you after we have performed a service, fees generally are not refundable. That said, if we are unable to verify your identity, if we are unable to pull your credit report, or if you do not have any inaccuracies on your report to dispute, we will gladly issue a refund of any amounts charged.
You can cancel at any time by logging in and going to the subscription selection under your name at the upper right corner of your screen. We'll miss you if you do decide to cancel!
It's actually illegal to guarantee a result. Every situation is different, and we don't know for certain how credit bureaus will respond, but we do our best to make sure that we help our customers in every possible way.
We’d love to start helping you as soon as possible. Please contact Dovly Customer Service to ask about a flexible payment arrangement.
Let's get this figured out. You can contact Dovly Customer Service with any billing issue.
Your security is our priority. Just contact Dovly Customer Service and we will happily get this resolved..
You're not alone. There are more than 60 million consumers in the same boat as you. Even though you don't have very much history, you may have inaccuracies. We can check it out for you, and it won't hurt your credit score at all.
If you live in the U.S. we can help you out! Unfortunately, due to state law we are unable to provide residents of Georgia or Idaho with our services.
We do not provide debt resolution. That is between you and your creditors. We keep an eye on your score and help you improve any inaccuracies.
We can dispute any inaccurate or misleading information on your report. This could include things like bankruptcies, foreclosures, tax liens, late payments, and more.
We dispute inaccurate info that cannot be fully verified as listed. If the underlying debt is valid, it may show up later after the inaccuracies have been corrected.