Frequently Asked Questions

A credit score is a three-digit number that summarizes the information in your credit report. This number is used by lenders other businesses thinking of extending credit to you and reflects the likelihood you will fall behind on a loan or credit obligation in the future. The higher the number, the better your credit looks to potential creditors.

There are five factors used to calculate your credit score: payment history, amounts owed, credit history, credit mix, and new credit. Payment history has the highest impact on your credit score. Always try to pay your credit obligations on time. A great way to do this is to set all accounts to "auto pay" from your bank account. At the very least, set the minimum payment to be paid each month automatically.

Any inaccurate or misleading information can be disputed. What Dovly can dispute is unique to each individual and credit report. Some examples include: bankruptcies, foreclosures, tax liens, late payments, repossessions, judgments, collections, charge-offs, and inquiries.

You can enroll in our credit improvement program for a low monthly fee. There are no set up charges and fees are incurred month-to-month with no further obligation. Click here to compare the latest pricing options.

If you have any inaccurate or misleading information on your credit report, then you may need credit improvement. We will not know for sure until we pull your report.

We know you'll love our services, but you can cancel at anytime for any reason with no further obligation.

At Dovly we focus on making credit repair as painless as possible.

  1. Choose your plan here and sign up.
  2. After you've enrolled, visit the Credit Disputes page.
    • Select the items you want to dispute by clicking the "Submit for Dispute" checkbox. Negative items are highlighted in red.
    • Select the reason for disputing the item.
    • Once you've selected the items you wish to dispute, click the "Send Disputes" button.
  3. If you have any supporting documents to upload, go to the My Documents section of your Dashboard and "Add New Document".
  4. Watch for email updates or mail from the credit bureau(s). Check in weekly by logging in and going to the Progress Report section of Credit Disputes.
  5. Upload any documents or results you receive from the credit bureau(s) in My Documents.