Build & Fix Credit: Dovly AI 4+

Dovly is a great app so far. It’s straightforward explanation of it services and accuracy is spot on. I’ve a couple things completely removed from my report and also I’ve had other accounts updated and verified as accurate afterwards. I tried the free version of the services so I could try it out and make sure it actually works and wanted to see the difference in the free version compared to the paid version I tried the free version for approximately 4months now I’d say it’s actually alright and worth downloading it. It works, it stays updated. Tomorrow I will do the premium or paid version of the services and see what the major differences are.

What Dovly (through CreditStrong) is offering isn’t a credit card with a $2,000 limit that you can spend. Instead, it’s an installment credit-building loan. Here’s how it works:
• They create a loan account in your name for $2,000 (or more).
• But you don’t actually receive the money—it’s held in a locked savings account.
• You make monthly payments (e.g., $30) on this “loan,” which are reported to the credit bureaus as on-time payments, helping build your credit score.
• After the loan term (typically 1-2 years), the money becomes yours—but only after you’ve fully paid it off.
• This helps your credit by adding positive payment history and diversifying your credit mix, but it won’t give you immediate spending power like a credit card.

If you’re looking for a credit card you can actually use, this wouldn’t be the best option. Instead, you’d be better off getting a secured credit card, where you put down a refundable deposit (e.g., $200-$500), which becomes your credit limit. That way, you can spend, pay off, and actually use the credit while building your score.

Dovly’s offer isn’t necessarily a scam, but it’s definitely a misleading marketing tactic. They make it sound like you’re getting an instant $2,000 limit to spend, but in reality, it’s just a credit-building loan that you’re paying into, not borrowing from.

Is there no company out there? that is just here to help the people, Credit collections agencies put through fraudulent charges constantly, and it messes up peoples lives, and I wish that there was a company that was just here to help the people. I understand if this is a for profit business, but a nonprofit project to protect citizens from companies that are shady and don’t care about the outcome of the person’s life would help reduce our poverty rate as a country, as well as the citizens protections against corporations, while corporations seem to be able to do whatever they want without any consequence. This is a great app to help citizens it could be doing more as a nonprofit business with better write offs from our government