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by Silent815

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.

by DTNguyen228

I am very disappointed with this company and their service. I thought these guys could improve my credit score by having them dispute (3) accounts and my Equifax and Experian credit score both dropped so I unsubscribed from their monthly subscription and turned to customer service for some answers.

I admit, I probably should have known better about my credit but I assumed they were the experts. I would think that they should have the expertise to stop me from disputing any accounts that could actually hurt my credit score, but that wasn't what happened. They could not give me any answers to the reasoning that my credit score dropped and would eventually go radio silent after promising to get back to me.

Their other services are probably okay but just be hesitant about using their credit dispute services as it can drop your scores.

by Gfuture34

I liked it before went all you had to do was click on something you want it to be disputed and have it disputed and now whenever you click on something you want to dispute there’s so much option. It’s so confusing and it’s a little too much in order to have one simple item to be disputed, and unfortunately I just went ahead and joint credit repair because it’s easier. I miss having to just click on something to have it disputed automatically because sometimes it comes back as unsuccessfully and all this is after the new long updated list of possible reasons to dispute.