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.
$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
Overview of Dovly
Company Background
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 $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.
Dovly Reviews and Ratings
Customer reviews of Dovly are generally positive. It has an average of 4.4 stars out of five across 213 reviews on its Trustpilot page. Dovly received an average of 4.55 stars on its Better Business Bureau page across 31 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 21,000 reviews. On the Apple app store, Dovly boasts 4.9 stars across nearly 19,000 reviews.
The most common Dovly complaints include a lack of results and difficulty canceling service.
Dovly Plans 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.
How to Enroll in 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 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.
Dovly Pros and Cons
Dovly Pros
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 setup fee.
Dovly Cons
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 nonrefundable.
How Dovly Compares
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) |
| Prosperity Plan | $119 monthly fee and $119 first work fee |
| Credit Glory | $299 setup fee and $99 monthly fee |
Frequently Asked Questions About Dovly
Yes, Dovly is a legitimate and reviewed 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.
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.
Results can vary with any credit repair company, but many clients of Dovly tend to see improvements within a few months.
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.
