Dovly 2023 Review
Dovly Overview
Dovly is a company that helps people track, manage and improve their credit scores. Dovly has disputed 500,000+ credit errors since the company was started in April 2018. The company offers both a website and mobile app for customers to use to interact with its services.
What makes the Dovly service unique is that it works automatically and offers a free credit improvement service. The company claims to make credit repair easy and automated. Just tell Dovly what’s wrong and the company will automatically work with the credit bureaus to fix your credit history.
Dovly claims that 91% of people who sign up see a boost in their credit score, with the average increase being 56 points (based on a sample of 18,062 Dovly members as of May 2022). That's enough to take a good credit score into the excellent range or a poor one into the fair range.
Dovly: What It Is
Dovly is a mobile and web app that tracks, manages, and fixes credit scores for free. Dovly's technology offers quick electronic communication with credit bureaus and leverages a sophisticated algorithm to optimize credit improvement.
Dovly Pros
- Free: The basic Dovly plan is completely free. Paid plans are among the lowest prices available in the industry.
- Automated intelligent system: Dovly's credit repair app works automatically and is easy to use. The algorithm creates a personalized plan for you to optimize results.
- Signing up doesn’t hurt your credit score
- Wide range of removable items: Dovly has disputed more than 500,000 inaccurate items, ranging from bankruptcies, late payments, repossessions, collections, late payments, and charge-offs.
- 24/7 progress tracking: Check your credit repair progress at any time.
- Strong fintech partnerships: Dovly has partnered with leading financial technology companies like MoneyLion, Credit Sesame, Chime, and Varo Money.
- Nationwide coverage: Dovly serves residents of all 50 states, the District of Columbia, and all 5 U.S. territories.
Dovly Cons
- While their Credit Maximizer plan provides weekly report updates, Dovly’s free plan only provides monthly report updates.
How Does Dovly Work?
Dovly uses a three-step process to give your credit score a boost.
Once you sign up, Dovly will do a soft pull on your credit, which does not impact your credit score. An onboarding wizard will show you the items that are negatively impacting your credit.
As you click through the screens, you can tell Dovly what information is incorrect or that you’d like to dispute with the credit bureaus.
Next, Dovly’s algorithm generates a personalized improvement plan that automatically contacts the credit bureaus on your behalf in a sequence that is optimized to remove errors and other inaccurate data as quickly as possible. Each month, you’ll get an update from Dovly about its progress and each month Dovly will continue disputing errors to keep improving your score.
Over time, your credit score will rise and you can use the Dovly app to track how your score changes over time. Dovly will also monitor for issues and new errors as they appear.
Products Offered
Dovly offers just one service – credit improvement. There are a few levels of this service on offer.
The basic Dovly service is free. It provides a monthly TransUnion report and score and identifies and removes issues (bankruptcies, late payments, charge-offs, collections, wrong information, inaccurate payment history, etc.) from your TransUnion credit report.
However, it only submits one dispute per month.
You can instead choose to enroll in Dovly Credit Maximizer to get unlimited disputes with all 3 credit bureaus, as well as access to ID theft insurance, weekly updates to your TransUnion report, and enhanced credit monitoring.
If you have a Visa credit or debit card, you also get access to Dovly Uplift at no cost, a free suite of tools to manage and repair your TransUnion credit report.
How To Enroll in Dovly Credit Repair?
Signing up for Dovly is simple! You simply have to visit their website to enroll.
To get started, you’ll have to visit the Dovly site and choose a plan. You can enroll in the Free or the Credit Maximizer ($39.99 a month or $99.99 annually).
Once you’ve made your selection, you’ll create an account by providing some basic info, such as your name and address. You’ll also need to provide your Social Security number so Dovly can track down your credit report.
After choosing a plan, Dovly will step you through every item on your credit report that is hurting your score. Let Dovly know which items you’d like to dispute. Dovly will start working for you to help increase your credit score.
Dovly Pricing
Try Dovly Free, which gives you no-cost access to your TransUnion report and score and helps you get started correcting errors. No credit card required. Or try Dovly’s full featured Credit Maximizer offering.
Credit Maximizer costs just $39.99/mo (a $120/mo value) or $99.99 when you commit to a full year. Credit Maximizer includes repair for all three credit bureaus, enhanced credit monitoring alerts, $1 million identity theft protection, and discounts on hundreds of everyday purchases. Cancel any time with no further obligation.
For Whom Is Dovly Good?
Dovly can be a valuable service for almost everyone. The company offers a plan that is completely free to use and that gives you tools to monitor your credit report and learn about the things that are dragging your score down.
That means that even if you have excellent credit, you can benefit from trying out Dovly.
However, Dovly obviously targets its services at people who have less than excellent credit. The company claims to help people who have poor credit significantly increase their scores and qualify for better loans more easily.
Given Dovly’s purported success rate – 91% of customers see an increase in their score – and the fact that the basic service is completely free, Dovly is good for anyone who wants to increase their credit score.
Dovly Vs. the Competition
Dovly is far from the only company that offers credit monitoring and repair services. If you’re looking for the best company to work with, it’s a good idea to compare your options to find the one that’s best for you.
Some alternatives include:
CreditRepair.com
CreditRepair.com, like Dovly, offers credit monitoring and repair services. It also has valuable educational resources to help you learn about credit scores and how they work.
However, CreditRepair.com’s services are more expensive than Dovly’s by a fair margin. Their basic service has a monthly cost of $69.95.
Given this high cost, you’ll want to make sure that CreditRepair.com is the right choice before you hand over the cash. You may consider trying Dovly’s free service first to see if Dovly is the better choice.
Credit Karma
Credit Karma is one of the best-known companies in the credit monitoring space. Its free service gives you access to your credit scores and reports from TransUnion and Equifax and lets you see how the different information on your credit report is impacting your credit score.
Credit Karma also offers tools for disputing errors, but doesn’t automate the process or have as clear a focus on helping you improve your credit score.
On the other hand, you can use Credit Karma to get recommendations on good loans and credit cards or to set up a savings account, making it a good choice for people who are looking for financial service recommendations.
Credit.com
Like CreditKarma, Credit.com has more of a focus on credit monitoring than credit repair. However, what sets it apart is its ExtraCredit service.
When you think of your credit score, you probably think it’s just a single number. However, there are dozens of different formulas out there, so you could have dozens of different credit scores. ExtraCredit lets you track 28 of the most commonly used FICO scores to see how lenders might view you depending on the types of loans you apply for.
Another perk is that Credit.com helps you report your rent and utility payments to the credit bureaus, helping you build credit.
Contact Dovly
Website: dovly.com/contact Email: [email protected]
Frequently Asked Questions
What is the difference between Dovly Uplift and Dovly Credit Maximizer service options?
Dovly Uplift is free if you hold a Visa credit or Debit Card, whereas Credit Maximizer has monthly or annual fees. Both options include a full TransUnion report and score each month, plus daily credit monitoring. Credit Maximizer will repair errors on reports from all the three major credit bureaus (TransUnion, Experian, and Equifax), includes $1 million of identity theft protection, delivers enhanced monitoring alerts, and provides discounts on hundreds of everyday purchases.
Uplift includes fewer perks and only disputes with TransUnion. If you have issues on your other two reports, then using the Credit Maximizer option can help resolve them.
What will my results be like?
Every situation is different, but 91% of Dovly's members see improvements in the first 6 months and most of them see their scores increase more than 50 points.
How long does Dovly take for credit disputes?
By design, Dovly disputes only a few errors per month. For people on the free plan, it disputes one error per month. For those on the Credit Maximizer and Uplift plans, Dovly disputes up to three errors per month, which Dovly’s research has determined is the approach that delivers optimal results.
Is Dovly legit?
Yes, Dovly is a legitimate company that has helped people to improve their credit scores. Online reviews on Dovly credit repair rate the company highly.
Reviews for Dovly
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User Rating
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(25 Reviews)Rating Distribution
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25 Dovly Consumer Reviews and Complaints
Jo, on September 08, 2021
Dovly has helped me improve my credit score and did not waste my time. Their automated service to remove credit report errors is great! Other companies continuously tried to upsell me for more money but with them it was very affordable and straightforward. Norma in customer service is awesome! When I chatted with her, she was extremely helpful and offered some great recommendations for me to improve my credit score. Since joining, my score has increased by more than 50 points :) I highly recommend!
James P., on April 23, 2022
My score is up 85 points in less than 6 months. Seriously. That’s big time compared to all the other services I’ve used. At the time of this review, Dovly is ranked 6, which is a huge problem because they should be #1 in this domain. Their CEO is super personable, I’ve met some of their team members personally and simply from a technological stance, they have a superior product, user interface, and user experience. Their Ops team is extremely detailed oriented as well.
Jennifer Miller, on August 12, 2020
Dovly is A-M-A-Z-I-N-G. I can't believe the results I've seen in such a short period of time. And it is so cheap. I've tried credit repair before with Lexington Law and Creditrepair.com. What a difference. I paid $800 to get NO results. With Dovly, I've only paid $60 and my score went up 87 points in 2 months. I don't have to talk to a call center agent - everything is online. I'm just lucky I found these guys. Don't hesitate - enroll. You won't regret it.
Deborah Childs, on May 25, 2022
I really like Dovly. I am not really trying to spend any money right now. Unfortunately, I have to use my money to attack the fraud and identity theft. I would really appreciate it though if Dovly could send some paperwork in for me. I feel as though you guys need to be able to submit all accounts for dispute. Even the credit bureaus dispute accounts all of them for free.
Les Richardson, on July 12, 2020
The information and credit education they give you alone is worth the subscription fee. Within 5 months my credit score went up almost 80 points. Honestly when it came to my credit I felt lost and hopeless. Dovly has shown me thats never the case and has really been a great partner in achieving better financial stability.
Nancy L., on July 20, 2020
Since I started Dovly services., my credit has been much improved! I love the ease of the website features. Customer service is excellent! I am able to follow the website very easily. I wish I had known of this service sooner! Keep up the great work in improving my credit!
Bill, on September 03, 2021
DOVLY WORKS!!! Being a bit skeptical, I signed up for the free service. I haven't paid a penny, and they already disputed an account, and it's been removed. It took me less than 10 minutes to sign up and select the accounts to dispute. I'll be upgrading when I get paid.
Corey Sheets, on December 18, 2022
Let me just say that I have worked with other credit repair services and they don't come close to DOVLY. DOVLY is FREE and they get results fast. Trust me I had some issues with my credit from the past with ex wife and home loans and DOVLY gets it done. True Story.
Emma S, on August 02, 2021
I have been using Dovly for a couple of months now and I have had several inaccuracies on my credit report removed. They have great customer service and have been readily available for questions I have had. Highly recommend! Your credit score will thank you!
Amy Sylvia, on September 03, 2021
I never dreamed of a service like this existing. Within 2 months, my score is up 49 points. It took me seconds to enroll. They do all the work and keep me posted on what's happening. It's so cheap! This is the best. I love technology!!
Brandon, on October 21, 2020
DO NOT PAY FOR THIS. Dovly charges users for vantage credit scores than you can get for free anywhere else. Pay for your fico scores as thats what lenders actually use.
bill mcduffie, on November 15, 2020
Dovly seems like its a good program. But for me in the last 6 months my score has gone up 1 point. I will give Dovly a couple more months and see what happens.
Breggit douglas, on July 30, 2022
Well I been with dovly a couple months I got some things resolved,I can say it's coming only slowly,but it's way faster then other companies
MollyB, on May 29, 2022
I really appreciate this service its i like you guys wish i could afford to pay for this service but i cant otherwise i apreaciate you all
Shannon, on November 01, 2022
This is a very fast and efficient company. Wish I would have known sooner. In less than a month raised score over 140 point.
Christopher J., on July 03, 2020
Dovly is great! Does exactly what is advertised, I saw noticeable changes with my credit score in 2 months.
Keely, on June 03, 2022
Since I started with Dovly I have removed 3 items from my credit score! This service has been amazing
Rosalinda, on June 11, 2022
Awesome service in lees than 60 days credit scores increased, one increased more than 90 points!
Dana L Burton, on January 17, 2022
very very pleased would tell others about them the are hard working and very kind and honest
Christopher, on July 27, 2020
Credit score has jumped a bunch in under a couple of months. Hope it can keep improving!
Jeri H., on September 07, 2020
Dovly has been awesome. It keeps me fully aware of my spending habits with my credit.
Brandon, on June 24, 2022
I love dovly! They help me dispute all my incorrect credit problems
Dealetrica, on August 28, 2022
Dovly is the best and I'm satisfied with my work
Mahmoon, on July 09, 2022
Best app ever
Rhianne, on July 05, 2022
I was referred to this service via Chime and I honestly had no idea what I was doing, or the importance of it all. This website and service is so well built I have told EVERYONE about it!! The time that I started which I believe was 2019, to now 2022, my credit score has increased 200 points! And not only that, but now I understand the different aspects of my credit what's helping me what's hurting me and the various ways I can continue to build and grow and learn. I am extremely grateful for the service that Dolvy provides their members. The best part about it - if you can't afford the premium membership, it's completely okay because you're going to feel like you have a premium membership with that free service regardless! I've never been happier but the company with a service rendered to me, like I am with Dolvy. Hands down the best experience ever!!