Fixing an error in your credit report, whether it's a simple typo or incorrect information that lowers your credit score, can be a big hassle to fix. While anyone can dispute information in their credit report with the three major credit bureaus — Experian, Equifax, and TransUnion — you might not want to go through the trouble yourself. If so, a credit repair company may be an appealing solution.
Business Insider's personal finance team compared Dovly to the best credit repair companies and found it to be an industry leader, largely because it is the most affordable credit repair option. Read on to learn more about what Dovly offers and how to qualify for a discount.
Dovly Pros and Cons
Pros
- Less expensive: Dovly doesn't charge an initial setup fee.
- Credit report and score: Get a weekly TransUnion credit report and score.
- ID theft alerts: Get alerts for potential ID theft.
Cons
- Results will vary: Some people may see significant improvements within a few months, while it may take longer for others.
- No guarantee: There are no guarantees with credit repair.
- No refunds: If Dovly cannot successfully repair your credit, the monthly fee will not be refunded.
Open an Account
$24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually)
- Unlimited credit disputes with all three bureaus
- One of the cheapest credit repair services
- 50% off monthly membership for Visa cardholders
- Reviews have complained about difficulty canceling membership
- No money back guarantee for Dovly Premium service, whether paid monthly or annually
Dovly offers relatively cheap credit repair compared with some of the best credit repair companies. It's a good option for someone who does not want to go through the trouble of disputing information in their credit report on their own.
- Unlimited disputes with all 3 bureaus added as a free bonus
- Weekly TransUnion® credit report and score
- Enhanced Credit Monitoring and ID Theft Alerts
- $1M in ID Theft Insurance
Compare Dovly with Debt Relief Companies
Cost: 15-25% of total enrolled debt
- Includes private student loans
- Accredited with the AFCC
- Fee transparency
- $7,500 minimum debt requirement
- Customer service conducted exclusively over the phone
- Lack of legal or tax guidance
National Debt Relief boasts an average savings of 25% (after fees) for clients who complete a settlement program, and has extensive positive reviews online. However, the debt settlement process has several potential pitfalls, and there may be other solutions better suited to your needs.
National Debt Relief
Cost: 15-25% of total enrolled debt
- Online knowledge hub and blog
- Accredited with AFCC and CDRI
- Only available in 30 states
$7,500 minimum debt required
15-25% of enrolled debt + $9.95 account sign-up fee and $9.95 monthly fee
- Lower minimum debt than other debt settlement companies
- Helps settle private student loans
- Customer reviews mention long settlement times
- Monthly fees for dedicated account
- Must have a minimum total debt balance of $7,500 to qualify (some states have laws setting higher minimums)
- Fee ranges from 15% to 25%
- One-time fee of $9.95
- Monthly fee of $9.95
- Available in these states: AL, AK, AR, AZ, CA, DE, FL, IA, ID, IN, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NM, NV, NY, OK, PA, SD, TN, TX, UT, WI
Dovly Overview
Marketed as a credit score improvement service, Dovly offers a combination of credit monitoring and credit repair services. However, the company's credit repair far outshines its credit monitoring capabilities.
The company's free credit monitoring plan gives you monthly updates on your TransUnion VantageScore 3.0 credit score and report. While the basic package doesn't provide credit repair services, upgrading to Dovly Premium will provide real-time credit monitoring with TransUnion and $1 million of identity theft insurance. That said, each of the companies in our best credit monitoring services guide offers real-time monitoring of credit reports from all three credit bureaus.
Dovly's credit repair service is more noteworthy. The service, which Dovly brands as credit improvement, uses artificial intelligence to flag negative information on your credit reports and dispute inaccurate credit information. While the free service gives you one dispute a month just with TransUnion, the paid service gives you unlimited disputes with all three credit bureaus.
Price is Dovly's biggest appeal. At $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually), Dovly is one of the least expensive credit repair services available. Visa cardholders can get a 50% discount on the monthly Dovly premium membership through Dovly Uplift.
How Dovly Works
While Dovly does not have a free trial for the paid service, it does have a free version that offers very basic monitoring and credit repair, only affecting your TransUnion report. However, this is a good opportunity to see how Dovly works. You can download the app and see if you like the interface and if credit repair can be useful for you.
If you have a Visa card, go to DovlyUplift.com. You'll enter your credit card number to determine eligibility for the Uplift program. The program will give you access to free credit monitoring and repair tools and the option to upgrade your service for half price.
When signing up for Dovly, be prepared to provide your name, birthday, Social Security number, home address, email, and phone number. You'll be prompted to answer identity-confirming questions as if you're requesting a credit report.
Key features of Dovly
- Credit report access: Dovly provides credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. You can access your credit reports online
- Premium subscription: Includes enhanced daily credit monitoring, unlimited AI-powered disputes, and weekly TransUnion credit report and score
- ID theft insurance: 1 million in identity theft insurance
Dovly Costs and Fees
Dovly's services are split into two tiers: free and premium.
| Dovly Free | Dovly Premium | |
| Price | Free | $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually) |
| Credit disputes | One monthly dispute with TransUnion | Unlimited tri-bureau disputes |
| Credit report and score | Monthly TransUnion scores and reports | Real-time TransUnion score and report |
| ID theft insurance | None | $1 million |
| Live US-based support | None | Yes |
Note that you're primarily paying for credit dispute services, as comparable levels of credit monitoring can be found elsewhere for free. Additionally, all of the best identity theft protection services offer some form of identity theft insurance.
Dovly Reviews and Ratings
Customer reviews of Dovly are generally positive. It has an average of 4.6 stars out of five across 359 reviews on its Trustpilot page. Dovly received an average of 4.6 stars on its Better Business Bureau page across 28 reviews. You can find an even greater review sample size on its mobile app pages. On Google Play, Dovly has an average of 4.7 stars across over 22,000 reviews. On the Apple app store, Dovly boasts 4.9 stars across 20,000 reviews.
The most common Dovly complaints include a lack of results and difficulty canceling service.
Dovly Alternatives
Dovly vs. The Credit Pros
Dovly Free is significantly cheaper than The Credit Pros, costing $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually). Dovly doesn't come with all the side features that The Credit Pros offers, but The Credit Pros doesn't offer anything you can't find elsewhere for less.
The main downside to Dovly's service is that it doesn't offer any refunds or money-back guarantees. However, it's worth noting that an entire year of Dovly costs less than The Credit Pros setup fees for any of its services.
Read our The Credit Pros review.
Dovly Premium vs. Credit Glory
Dovly is a credit repair company known for its affordable fees. While the company lacks a money-back guarantee, its upfront monthly fee costs much less than the initial, nonrefundable setup fee from Credit Glory.
Read our Credit Glory review.
Why You Should Trust Us: How We Evaluated Dovly
To rate and review identity theft protection services like Dovly, we expect to see must-have features — fraud resolution, dark web monitoring, and credit monitoring — good value for price, and satisfying customer service. We then take into account any additional features, the company's Better Business Bureau rating, and any free trial on offer.
Business Insider's personal finance team is editorially independent, meaning this article reflects our editors' opinions of this product.
Read our full explanation of how we rate identity theft protection services.
FAQs
Is Dovly a legitimate service?
Yes, Dovly is a legitimate credit repair company with a history of helping clients improve their credit scores. In fact, Business Insider chose its premium service as one of the best credit repair companies available.
Can Dovly remove negative items from my credit report?
Yes, Dovly can dispute and potentially remove inaccurate or unverifiable negative items from your credit report. However, no credit repair company can remove negative items that are accurate.
How long does it take to see results with Dovly?
Results can vary with any credit repair company, but many clients of Dovly tend to see improvements within a few months.
