Dovly 2022 Review
Dovly is a company that helps people track, manage and improve their credit scores. The company offers both a website and app for customers to use to interact with its services.
What makes Dovly unique is that it works automatically and offers a free credit repair service. The company claims to make credit repair easy. 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. 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 the first and only mobile app that tracks, manages, and fixes credit scores. Dovly's technology offers quick electronic communication with credit bureaus and leverages a sophisticated algorithm to optimize credit improvement.
- Pricing: 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 200,000 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.
- Money back guarantee: If you don’t get results from a paid service tier, they’ll give you your money back. Terms and conditions apply.
- Due to state law limitations, Dovly cannot yet provide full service to residents of Georgia or Minnesota.
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. Dovly reviews the information it receives and will give you a list of things that are negatively impacting your credit.
From that list, you can tell Dovly what information is incorrect or that you’d like to dispute with the credit bureaus.
Next, Dovly contacts the credit bureaus on your behalf and asks them to remove errors and other negative data. 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.
Dovly offers just one service – credit repair. There are a few levels of this service on offer.
The basic Dovly credit repair service identifies and removes issues (bankruptcies, late payments, charge-offs, collections, wrong information, inaccurate payment history, etc.) from credit reports from all three credit bureaus (TransUnion, Equifax and Experian).
However, it only submits one dispute per month.
You can choose to enroll in Premium service to get 3 disputes per month with all 3 credit bureaus, as well as access to ID theft insurance and enhanced credit monitoring. The Ultimate Service adds unlimited disputes per month.
If you have a Visa credit card, you also get access to Dovly Uplift, a free suite of credit repair tools that you can use alongside Dovly’s main credit repair services.
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 plan, Premium plan ($39.99 a month) or Ultimate plan ($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 give you a list of items on your credit report that are 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.
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 one of Dovly’s fuller featured paid offerings. Dovly Premium costs just $39.99/mo (a $120/mo value).and includes repair for all three credit bureaus, $1 million identity theft protection, and discounts on hundreds of everyday purchases. For a more economical offering, Dovly Essential has you covered with TransUnion repair and monitoring, for just $9.99/mo (a $70/mo value). Cancel any time with no further obligation.
Money Back Guarantee: If you don’t get results, they’ll give you your money back. Terms and conditions apply.
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:
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.
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.
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. The basic service has a monthly cost of $69.95 and the most advanced package costs $119.95 per month.
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.
Website: dovly.com/contact Email: [email protected]
Frequently Asked Questions
What is the difference between Dovly Essential and Dovly Premium service options?
Both options include a full TransUnion report and score each month, plus daily credit monitoring. Dovly Premium will repair errors on reports from all the three major credit bureaus (TransUnion, Experian, and Equifax), includes $1 million of identity theft protection, and provides discounts on hundreds of everyday purchases. Dovly Essential includes fewer perks and only disputes with TransUnion. If you have issues on your other two reports, then using the Dovly Premium option can help resolve them.
What will my results be like?
Every situation is different, but 92% of Dovly's members see improvements in 6 months or less and most of them see their scores increase more than 50 points.
How long does Dovly take to dispute?
Dovly disputes only a few errors per month. For people on the free plan, it disputes one error per month. Those on the premium plan Dovly disputes three errors per month.
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.
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4.7 out of 5 stars(24 Reviews)
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Our Credit Repair Partners
Credit Saint, CreditRepair.com, Dovly, Lexington Law, Pyramid Credit Repair, Sky Blue Credit, The Credit People
|Credit Score Required||None|
|Pricing||$0/mo - $39.99/mo|
|Number of Customers Helped||70,000|
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