- Dovly Overview
- Dovly Plans and Costs
- How to Sign Up For Dovly
- How Dovly Compares to Its Competition
- Frequently Asked Questions
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Dovly Free Learn more On Dovly's website
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees$0.00 monthly
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free credit disputes with TransUnion
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Highly rated app
- con icon Two crossed lines that form an 'X'. Service only updates credit reports and scores once a month
- con icon Two crossed lines that form an 'X'. Credit monitoring only covers TransUnion
Dovly Free members see an average 37pt score increase.
Product Details- Monthly TransUnion® credit report and score
- One dispute per month with TransUnion
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks Info icon Average result for Dovly Premium members that have had more than 2 disputed items removed from their reports, as of May 2023.Fees$24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually)
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited credit disputes with all three bureaus
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. One of the cheapest credit repair services
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 50% off monthly membership for Visa cardholders
- con icon Two crossed lines that form an 'X'. Reviews have complained about difficulty canceling membership
- con icon Two crossed lines that form an 'X'. 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.
Product Details- 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
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.
Dovly offers relatively cheap credit repair compared with some of the best credit repair companies. Read on to learn more about what Dovly offers and how to qualify for a discount.
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 it. While the free service gives you one dispute per month just with TransUnion, the paid service gives you unlimited disputes with all three credit bureaus.
Price is Dovly's biggest appeal. At $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.
Customer reviews of Dovly are generally positive. It has an average of 4.6 stars out of five across 177 reviews on its Trustpilot page. Dovly received an average of 4.24 stars on its Better Business Bureau page across 72 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 10,600 reviews. On the Apple app store, Dovly boasts 4.9 stars across 7,300 reviews.
Dovly Plans and Costs
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.
How to Sign Up For Dovly
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 $19.99 instead of the full $39.99.
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.
How Dovly Compares to Its Competition
Credit repair is notoriously expensive. Prosperity Plan, the next most affordable service in our guide to the best credit repair companies, charges a $119 initial setup fee and a $119 monthly fee. Not only is Dovly's monthly fee less, but Dovly doesn't charge an initial fee.
Dovly does have some drawbacks, though. For instance, many other credit repair services usually offer a refund on the monthly fee if they cannot successfully repair your credit. Dovly does not. However, the initial fee that others charge is usually non-refundable.
Here's how Dovly's prices compare to its competition among the best credit repair companies:
| Credit Repair Companies | Price |
| Dovly Premium | $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually) |
| The Credit Pros: Prosperity Plan | $119 monthly fee and $119 first work fee |
| Credit Glory | $299 setup fee and $99 monthly fee |
Dovly Frequently Asked Questions
Does Dovly offer a free trial? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.While Dovly doesn't offer a free trial, you can treat the free plan as a free trial. Using one monthly TransUnion dispute, you can see if dispute are any major issues on your credit report, like a line of credit you did not authorize. If you find such an issue, the full service may be worth it.
How do I contact Dovly customer service? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.You can reach Dovly customer service by emailing support@dovly.com or going to Dovly's contact us page.
Which states does Dovly operate in? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Dovly operates in all 50 states plus Washington D.C.
Paul Kim Associate Editor at Personal Finance Insider Paul Kim is an associate editor at Personal Finance Insider. He edits and writes about credit scores, debt, and identity theft. When he's not writing, Paul loves cooking and eating. He hates cilantro. Read more Read lessEditorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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