Dovly Review [2024] How Does Dovly Credit Repair Work

According to a recent report from the Federal Reserve, 73% of American adults say they’re at least “doing okay” financially.

But what if you’re aiming a little higher than that?

One way to improve your financial health is by increasing your credit score. It might take some work, but there are shortcuts – and Dovly is one of them. 

Dovly is a credit repair service that files disputes with the credit bureaus to improve your credit score. 

Interested? In this Dovly review, I’ll explain how the service works and why it’s worth it.

What is Dovly?

Dovly is an online credit repair service that uses artificial intelligence (AI) to dispute credit report errors. In other words, it puts robots at your service and tells them to improve your credit score. 

There are two different Dovly plans:

• Free. You can use this plan to manually dispute 1 credit report error per month with TransUnion, which is one of the big three credit bureaus. It also comes with a free monthly credit report from TransUnion. 
• Premium. For $39.99 per month (or $99.99 when billed annually), this plan activates Dovly’s AI tools to launch multiple credit disputes with all three major credit bureaus. You’ll also get weekly credit updates and $1 million worth of identity theft insurance. 

Dovly’s two-tiered system is perfect for anyone who’s new to the credit repair process. 

Want to start slow and see what it’s all about? Try the free version to get a feel for the product. 

Prefer to dive right in and give your credit score the biggest possible boost? Then, sign up for Dovly Premium. 

For more options besides Dovly, read this article on the best credit repair companies. 

What is Dovly Credit Repair?

Dovly Credit Repair works to lift your credit score by disputing errors on your credit report.

Your credit score is a number between 300 and 850, which shows how trustworthy you are to lenders. There are three main credit bureaus that determine these scores: TransUnion, Equifax, and Experian. 

Along with the score, these credit bureaus produce credit reports that show what information was used to determine your “creditworthiness.” 

All sorts of details can appear on a credit report, including: 

• Payment history
• Debt balances
• Defaults
• Collections
• Who you owe

But here’s the thing: Not all of the items on your credit report are necessarily legit. Sometimes, information shows up that’s inaccurate or unverified. That means you’re being punished for something you didn’t even do!

Luckily, you can dispute these negative items on a credit report to get them removed. And while doing it on your own takes a lot of work, services like Dovly make it easy. With Dovly’s free plan, you can manually dispute some errors with TransUnion. Dovly’s Premium plan brings things to the next level, automating the dispute process to maximize results.

Of course, there are other ways to improve your credit score. For example, the Cheese app uses credit builder loans. Read this Cheese Credit Builder review to learn more.

You should also check out this Cushion app review if you’re interested in using Buy Now Pay Later (BNPL) services to build credit.

But if you’re new to the credit-building game, Dovly is a smart place to start. 

Get Started With Dovly Now

How Does Dovly Work?

Now that you understand the basic model, it’s time for this Dovly review to explain how you can use the service.

Start by deciding which Dovly plan you’ll choose – Free or Premium. Dovly itself suggests the Free plan for anyone who suspects they have just 1-2 errors on their credit report. You can then use Dovly to manually dispute one mistake each month.

But let’s say you’ve got 3 or more errors on your credit report – or maybe you’re hoping to get a big loan in the coming months, and you desperately need your credit score to increase. In that case, you’ll need the “big guns” of Dovly’s Premium plan. 

Remember that Premium involves an AI “army” working day and night to dispute errors and boost your credit. That could end up being well worth the price of $39.99 per month (or $99.99 per year)!

Once you’ve decided on a plan, head to the official Dovly website. Click “Improve My Credit” in the top-right corner, then select your plan. From there, you’ll have to provide some basic information to continue signing up. 

With your Dovly account up and running, you can start chipping away at the errors on your credit reports. If you have the Free plan, you’ll have to dispute the errors yourself – with Dovly’s help, of course. But with the Premium plan, the process will be automatic. All you have to do is sit back and enjoy the weekly updates – which will hopefully show your credit score’s steady rise.

And don’t worry – you won’t have to constantly log into your account through a web browser. 

Dovly has a mobile app available for both Android and iOS. So, improving and checking your credit score isn’t something you’ll have to put a lot of effort into. You can check your progress on the bus, at work, or in line at the grocery store. It doesn’t get much easier than that!

Is Dovly Legit? 

Using Dovly is a legitimate way to improve your credit score. The idea of disputing credit report errors isn’t some new-fangled idea. The Federal Trade Commission (FTC) even suggests it. All Dovly does is make the process easier.

According to many users, Dovly really works. Check out these Dovly user ratings:

• 4.8 stars on the Apple App Store
• 4.7 stars on Google Play
• 4.6 stars on Trustpilot

Sure, you can find a negative Dovly review here or there – but most users seem to agree that the service delivers on its promises. 

According to Dovly, the average Premium plan user sees their credit score increase by 79 points. That’s enough to have a real-deal impact on your financial future!

Is Dovly Safe?

Using Dovly to lift your credit score is completely safe. Here are some reasons why:

• Dovly doesn’t hold your money. With Dovly, you sign up for a service, and then they do the work of disputing credit reporting errors. It’s not like you’re ever leaving money in a Dovly account, which means you don’t have to worry about funds disappearing. 
• The Dovly database is encrypted. Your data won’t be left sitting around where any old hacker could steal it. 
• Dovly partners with StellarFi and CreditStrong. I doubt these heavy hitters in the credit repair industry would risk their reputations – so they must think Dovly is safe and legit. 

Pros and Cons of Dovly

What’s great about Dovly, and what could be better? This Dovly review breaks it all down.

Pros

• There’s a free version. That means you can get help manually disputing credit reporting errors without paying a dime.
• The Premium plan files disputes with the 3 major credit bureaus. By attacking all of the bureaus at once, you could increase the impact on your credit score.
• The dispute process is fully automated (with Premium). Instead of wasting your time on disputes, you can just let Dovly’s AI do its thing.

Cons

• The free version only allows 1 dispute per month. It’s hard to complain about something that’s free, but let’s be real: Lots of users will want more monthly disputes. 
• The free plan only reports to TransUnion. Again, the free option comes across as severely limited. If you want to file disputes with the 3 major credit bureaus, you’ll have to choose the Premium plan.
• There’s no money-back guarantee. Even if your credit score doesn’t increase as much as you hoped (or at all), you still can’t get a refund.

Dovly Reviews 

Let’s take a closer look at some Dovly reviews on Trustpilot.

In an enthusiastic 5-star Dovly review, someone said the service “changed everything” for them. I can see why this person was so excited. Improving your credit score can be genuinely life-changing.

Another 5-star Dovly review focused on the service’s user experience, calling the platform “simple, manageable, and accessible.” 

Another user left just 3 stars, but they’d only recently signed up for the service. Their one gripe was that the free plan is a little limited, offering just one dispute per month.

In a scathing 1-star Dovly review, someone said the company “talks a big game” but fails to deliver. It seems the person used the free plan to dispute an item on their credit report, but the item wasn’t removed.

I can see why that would be frustrating, but it’s worth remembering that Dovly never guarantees that every disputed item will be removed. Some disputes work, and others don’t. That’s just the nature of the game.  

Dovly Reviews Reddit

I only found one Reddit thread where someone asked directly about Dovly.

Just one person responded, and they suggested communicating directly with the credit bureaus instead of using a credit repair service like Dovly.

Luckily, I found people talking about Dovly in other Reddit threads. 

One user said that Dovly allows you to be “your own credit repair specialist.” And when someone questioned whether the service was really worth it, the person assured them that it was. 

In another Dovly review, someone said they had 3 items removed from their credit report in a single month. And while they acknowledged that they could have filed the disputes themselves, they said that using Dovly made the process a whole lot easier. 

Dovly Reviews BBB

While Dovly has a page on the Better Business Bureau (BBB) website, it doesn’t have a grade. Apparently, Dovly’s information is being “reviewed and/or updated.” 

But there are still some interesting details about Dovly on the site.

The BBB has received just 11 complaints about Dovly in the past 3 years, and reviewers have given Dovly an average of 4.23 stars. That’s pretty impressive since people usually go to the BBB to complain, not when they’re pleased. 

So, even without a grade, the BBB’s Dovly page is reassuring.  

Is Dovly Worth It? 

Here’s the conclusion of this Dovly review: The service is totally worth it!

Why?

For one thing, there’s a free version of Dovly that you can start with. Sure, it only gives you 1 dispute per month – but since it’s free, you literally have nothing to lose!

And while the Dovly Premium plan costs money, it’s still worth it for lots of people. The plan’s price is $39.99 per month or $99.99 per year. Cheap? Not exactly. 

But Dovly says the average Premium plan holder sees their credit score increase by 79 points. That could have a massive impact on your financial health. 

You might need a higher credit score for all sorts of reasons, including:

• To rent a new apartment
• To take out a personal loan
• To access credit cards with more favorable terms
• To buy a house

Those are all super important, right? And in most cases, they’re worth the price of Dovly premium.

Get Started With Dovly Now

Commonly Asked Questions About Dovly

What are Alternatives to Dovly?

Here are some Dovly alternatives that can help you to improve your credit score:

• StellarFi (read this full StellarFi review)
• Cushion (read this full Cushion App review)
• CreditStrong (read this full Credit Strong review)
• Kikoff (read this full Kikoff review)
• Cleo (read this full Cleo Credit Builder Card review)
• Cheese (read this full Cheese Credit Builder review)
• Chime (read this full Chime review)
• Nevly Money (read this Nevly Money review)

For more ways to fix your credit, check out our comparison of Credit Saint vs Lexington Law, or see if working with the best tradeline companies could be the right credit repair solution for you. 

Meanwhile, learn how to budget for non recurring expenses so you can be prepared for unexpected costs going forward. 

And to learn which budgeting app could best help you manage your finances and boost your savings, check out these comparisons of Rocket Money vs the competition:

• Rocket Money vs YNAB
• Rocket Money vs Simplifi
• Rocket Money vs Copilot

If you’re looking for a low-tech, hands-on budgeting method, learn about cash envelope categories. And if you need to boost your savings fast, the 60/30/10 rule budget can help.

Then use a net worth tracker to see how your new financial strategies are paying off. 

Is Dovly a Scam?

Dovly definitely isn’t a scam. It has a strong reputation for helping customers improve their credit scores by disputing negative items with the three main credit bureaus. That’s why users on the review site Trustpilot give Dovly an average of 4.6 stars.

What is The Catch With Dovly?

The only catch with Dovly is that the free version is pretty limited, offering just 1 credit dispute per month with TransUnion. For multiple monthly disputes with the 3 major credit bureaus, you’ll have to get a Premium plan, which costs $39.99 per month or $99.99 per year.

Does Dovly Really Work for Credit Repair?

For lots of users, Dovly effectively repairs credit by disputing negative items on credit reports. Dovly even claims that the average user with a Premium plan sees their credit score increase by 79 points. 

What are The Benefits of Dovly?

The main benefit of Dovly is that it can boost your credit score, with the average Premium user seeing a 79-point increase. Another perk is that Dovly offers a free plan. It’s limited, giving you just 1 dispute per month, but it’s a great way to test out the service. 

Dovly Review Complaints? 

Dovly complaints often focus on the limitations of the Free plan, which only lets you dispute one item per month with TransUnion. To file multiple disputes with the 3 major credit bureaus, you need a paid Premium plan. 

Dovly App Download?

The Dovly mobile app is available for Android and iOS. It’s also highly rated, earning 4.8 stars on the Apple App Store and 4.7 stars on Google Play.