No. Dovly’s free plan works with TransUnion only, so Experian and Equifax are left out. To dispute at all three bureaus, CreditRefresh drafts a letter for each one with Refresh Monitoring at $49.99 a month.
You came wanting every report cleaned up, and a free tool that files with one bureau leaves the other two exactly as they were. Dovly states its limit on its own pages, so the useful question is what to do about the two bureaus it skips.
Dovly’s free plan reaches TransUnion only, not Experian or Equifax
No. The free plan allows one dispute a month, sent to TransUnion, and the monthly credit report it includes is TransUnion’s as well. Nothing on the plan reaches Experian or Equifax, so an error on those two reports stays where it is.
Dovly’s AI credit repair page says: “Important: Dovly AI disputes are filed with TransUnion only.” For Experian or Equifax, the same page says “you can dispute them directly with those bureaus for free.” The free plan costs $0 with no credit card, and it is a “Manual dispute tool with TransUnion” limited to “1 item to dispute per month.”
Dovly shows 4.6 on Trustpilot from 715 reviews. Of the 10 one- and two-star reviews among its latest 200, 4 say they paid and nothing changed, 4 say nobody answers and 2 say billing continued after cancelling. A one-star Trustpilot review of Dovly from Michelle, July 19, 2026, reads: “Beware it’s strictly Ai and you can’t ask any questions.”
Does paying for Dovly Premium add Experian and Equifax disputes?
No. Dovly’s paid plans also send new disputes only to TransUnion, so Premium at $99.99 a year (about $8.33 a month) or $39.99 a month buys no extra bureaus. What it adds is volume: unlimited disputes, with the AI picking which items and when, and Dovly sending the letters itself.
The rest of Premium is a weekly TransUnion report and score, monitoring alerts, bill and rent reporting, a TransUnion credit lock and “$1M ID theft insurance.” It also includes a “$2K tradeline to jumpstart credit activity,” subject to approval and manual enrollment. Dovly says “it doesn’t guarantee removals or score increases.” Its pages do not say whether a Premium member reads or signs each letter before it goes out.
George T. gave Dovly one star on Trustpilot on September 16, 2026: “I have been a paying customer for a year. My score is still the same as the day I signed up.”
Credit Karma disputes reach TransUnion only; Dispute Beast covers all three
Credit Karma’s Direct Dispute reaches TransUnion only, and it does not draft or mail letters. Dispute Beast reaches all three bureaus, with a dispute tool that is free but requires paid monitoring starting at $49.99 a month.
Credit Karma is free, monetized through lender referrals and ads, and shows 1.1 on Trustpilot from 915 reviews. Of its 194 most recent one- and two-star reviews, 37 say nobody answers.
Dispute Beast shows 4.2 on Trustpilot from 2091 reviews and offers a “No Contract” term. Its guarantee reads: “we will return 110% (yes, 110!) back of your money if Dispute Beast doesn’t help you improve your credit after a year.” Of its 34 most recent one- and two-star reviews, 22 say they paid and nothing changed. Nat gave Dispute Beast two stars on Trustpilot on September 6, 2026, and wrote: “Dispute Beast did Nothing for me but took my payments. There’s an extra fee for each letter the system sends on your behalf.”
How do you dispute with Experian and Equifax yourself for free?
Pull your reports free at AnnualCreditReport.com, then file the dispute with each bureau directly, which costs nothing. Each bureau publishes its own filing steps, and a TransUnion dispute does not cover the other two.
Experian’s published procedure, from its Dispute Credit Report Information page:
- Sign up for a free Experian account (new users) or sign in to an existing account.
- Prepare and submit your dispute in the Experian Dispute Center, adding any required or pertinent documentation online from your computer or mobile device.
- Track your dispute status and get alerts in the Dispute Center.
Experian says an online dispute is generally resolved within 30 days, with updates throughout the process and upon completion.
Equifax’s published procedure, from its File a Dispute on Your Equifax Credit Report page:
- Create or sign into your free myEquifax account.
- Go to the dispute center in myEquifax and click “File A Dispute.”
- Provide the information you are disputing and the supporting documentation requested for that type of information (for example, a valid driver’s license or birth certificate for personal information; current bank statements or lender letters for account information; bankruptcy schedules or court documents for other information).
- Once submitted, you will receive a 10-digit confirmation code. You can check the status anytime within your myEquifax account.
- Equifax will investigate. If it can make changes based on the information you provided, it will do so; otherwise, it will contact the reporting company to verify the accuracy of the disputed information.
- Within 30 days of your dispute request, Equifax will notify you of the results of its investigation.
The right is free. The work is drafting a letter for each item, mailing it and tracking the response at each bureau.
What errors can you dispute with Equifax, Experian and TransUnion?
You can dispute items that are inaccurate, incomplete, unverifiable or too old to be legally reported. The bureaus decide each outcome, and a dispute can only correct what the file gets wrong.
Under FCRA Section 611, every consumer has the legal right to dispute inaccurate credit report information directly with Equifax, Experian and TransUnion. Those are the four kinds of items CreditRefresh flags. Our app tracks the bureau’s response to each dispute.
The “too old” category comes from Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c). Most negative items, including accounts placed for collection or charged to profit and loss, may be reported for seven years. The statute caps cases under title 11 at ten years from the date of entry of the order for relief or the date of adjudication, which covers a Chapter 13 filing as well as a Chapter 7. The seven-year treatment of a completed Chapter 13 is the bureaus’ own voluntary practice and not a statutory deadline. After those windows the item is obsolete and may be disputed on that basis.
Which dispute tool reaches all three bureaus, and what does each cost?
Skip the paperwork. Start your dispute.
CreditRefresh drafts your FCRA dispute letter and tracks the 30-day investigation window. You review, approve, and send. You stay in control.
Get StartedThe table sets Dovly, Credit Karma, Dispute Beast, DisputeBee, Lexington Law and CreditRefresh side by side on price, bureau reach and Trustpilot score. It shows which tools stop at TransUnion and which draft disputes for Equifax, Experian and TransUnion.
| Tool | What you pay | What that buys | Bureaus | Trustpilot |
|---|---|---|---|---|
| CreditRefresh | $49.99 a month via Refresh Monitoring; no setup fee; letters self-mailed free or RushMail per-letter fee | Software you control; AI drafts letters, you review and sign; bundled with Refresh Monitoring subscription | All three | 4.6 (22 reviews) |
| Dovly | Free $0 (no credit card); Premium $99.99/year (about $8.33/mo) or $39.99/month; no setup fee published; Dovly sends the disputes itself | Dovly AI writes and sends TransUnion dispute letters for you (one a month on Free; unlimited on Premium, the AI picking which items); weekly TransUnion report, alerts, $2K tradeline, credit lock, $1M ID theft insurance on Premium | TransUnion only | 4.6 (715 reviews) |
| Dispute Beast | Free tool; Beast Credit Monitoring from $49.99/m; Sprint Mail extra per letter, or free self-mail | Software the user controls (DIY AI app), bundled with paid monitoring required | All three | 4.2 (2091 reviews) |
| DisputeBee | $49/mo Individual; $129/mo Business; cancel anytime; you mail letters yourself | Software you control to draft letters; Business tier adds unlimited clients, bulk letters, send-mail API, client portal, Zapier | All three | 3.2 (68 reviews) |
| Lexington Law | $139.95/month, invoiced at end of each service period; 50% off first payment for veterans and active military | Attorney-handled disputes by the firm, not software you control; attorney case setup after a free assessment | All three | 3.2 (624 reviews) |
| Credit Karma | Free (monetized through lender referrals and ads) | Monitoring and lender offers; Direct Dispute reaches TransUnion only, does not draft or mail letters | TransUnion | 1.1 (915 reviews) |
Every price is that company’s own published rate, as its own site states it. Trustpilot scores and review counts as published.
DisputeBee’s reviewers point mostly to support: 6 of its 10 most recent one- and two-star reviews say nobody answers. Of Lexington Law’s 131 most recent one- and two-star reviews, 77 say they paid and nothing changed. Rodriguez.andyluis R. wrote in a one-star Trustpilot review of Lexington Law on June 14, 2026: “I paid for their services and never saw real results or meaningful changes in my credit.”
How CreditRefresh drafts disputes for Equifax, Experian and TransUnion
CreditRefresh works with all three credit bureaus. Access is included with Refresh Monitoring, a flat $49.99 a month with no setup fee, and creating a CreditRefresh account is free. A letter reaches a bureau only when you mail it or place a RushMail order; the AI does not dispute on your behalf. You review the letter, print the required documents and mail the package yourself, with nothing sent until you have reviewed and signed it. Downloading print-ready letters and mailing them yourself adds no fee. RushMail prints and mails a reviewed round through a separate paid order with a per-letter fee. You can cancel anytime.
Our 100% money-back guarantee means members who work the full program and see no bureau score rise above where they started can claim back every Refresh Monitoring payment. That is a refund promise, never a score promise, and the conditions are on the guarantee page. CreditRefresh is not a law firm, and its letters are not legal advice. The bureaus determine every dispute outcome, and we promise no result.
The legacy credit-repair industry sold results it could not deliver. The CFPB alleged in a 2019 lawsuit that the defendants, including PGX Holdings, Progrexion and John C. Heath, Attorney at Law, PLLC (Lexington Law), requested and received prohibited upfront fees for telemarketed credit repair and used deceptive bait-and-switch marketing (CFPB, 2019). In a separate settlement announced by the FTC in 2020 over a fake credit repair scheme that charged advance fees and made false promises about credit score improvement, the amount was $13,827,886 (FTC, 2020). We built software you control instead.
FAQ
How much does Dovly Premium cost?
Dovly publishes Premium at $99.99 a year (about $8.33 a month) or $39.99 a month, with the free plan at $0. No setup fee is published. Dovly says you can cancel at any time with no cancellation fees, and its refund terms are not published.
Does Dovly’s free plan need a credit card?
No. Dovly describes the free plan as “$0 forever, no credit card required.” It is limited to one TransUnion dispute a month.
Where can I get all three of my credit reports for free?
AnnualCreditReport.com. It gives you the Equifax, Experian and TransUnion reports at no charge, which is where to find errors before you file anywhere.
How long does a credit bureau have to investigate a dispute?
A consumer reporting agency has 30 days, counted from the date it receives the dispute notice, to reinvestigate a disputed item (Federal Trade Commission, Fair Credit Reporting Act, 2026). That period can extend by not more than 15 additional days if the agency receives relevant information from you during the 30 days (U.S. House Office of the Law Revision Counsel, 15 U.S.C. § 1681i, 2025). A furnisher that receives a direct dispute must investigate and report results before that same period ends (Fair Credit Reporting Act, Section 623(a)(8)).
Should I dispute with the bureau or with the company that reported the error?
A dispute with the bureau carries the deletion duty. Section 611(a)(5) requires the bureau to promptly delete or modify an item found inaccurate, incomplete or unverifiable after reinvestigation. The written results notice must tell you that you may request a description of the procedure used, including the furnisher’s business name and address, and the bureau has not later than 15 days from that request to provide it (Section 611(a)(7)). You can also dispute with the company that reported the error: a furnisher that receives a direct dispute must investigate, review the information you provided and report the results before the same 30-day period ends, and notify every agency it furnished to if the information was inaccurate (Section 623(a)(8)).
What should I check before paying for any credit-dispute tool?
Check which bureaus it reaches, whether you review and sign each letter, who mails it and how you cancel. Dovly reaches TransUnion only. CreditRefresh reaches all three, and you review, print and mail each letter or place a separate RushMail order.
Can CreditRefresh mail my dispute letters for me?
You can mail letters yourself or hand a reviewed round to RushMail, the mailing partner, for a small per-letter fee. The fee applies only if you choose RushMail over mailing them yourself.
What decides whether a dispute changes my credit score?
Based on the furnisher’s response, the bureau deletes, modifies or verifies the item, and the outcome depends on what is on your report. Whether a score moves after a deletion depends on what the item was and how it relates to everything else in the file. FICO publishes its category weights as payment history 35%, amounts owed 30%, length of credit history 15%, new credit 10% and credit mix 10%, and says they describe the general population and vary with an individual credit profile (FICO, What’s in my FICO Scores).
CreditRefresh drafts a dispute letter for Equifax, Experian and TransUnion that you review, sign and send, with Refresh Monitoring at $49.99 a month. Backed by a 100% money-back guarantee.
