Dovly AI is the first all-in-one credit platform powered by artificial intelligence that helps you take control of your credit journey—100% free. From building new credit activity to staying protected, our tools support you every step of the way.

How does Dovly AI help increase credit scores?

It’s super simple! We handle the heavy stuff, so you can focus on your financial glow-up. Sign up in less than 2 minutes with no hard credit pull. Our AI evaluates your credit report and creates a personalized action plan with tools tailored to support and secure your credit profile. You’ll receive updates and useful info to help you stay on track—just download our app and check in regularly!

How many points do members typically see?

Dovly AI Free members see an average score change of 38 points, while Premium AI members see an average shift of 93 points.* Members who log in regularly tend to see the best outcomes. *Average increase experienced by a sample of 3,231 Dovly AI Free members and 2,922 Dovly AI Premium members that have been enrolled more than 6 months, as of December 2025.

What do I need in order to enroll?

Just choose your plan HERE and get started. It takes less than 2 minutes and won’t affect your credit. You must be at least 18, a U.S. resident, and have a valid Social Security number. We’ll verify your identity with a few quick questions—and you’re good to go.

Is Dovly AI safe to use?

Absolutely. We work with major financial institutions and partners. Our leadership team is made up of experienced, respected professionals, and our tech is secure. Your data is encrypted and stored on a segregated network for maximum protection.

Does Dovly AI have an app?

Yep! Want to stay in the loop and get alerts when things change? Download our app. Members who use the app and check in often tend to see the best outcomes.

BOOST YOUR SCORE

Up to 93 pts¹ Stronger.

Dovly AI builds, cleans up, and protects your credit, 100% free.

Join Free

4.8

150K+ reviews2,000,000+ members

Build my credit

Remove items from my report

Monitor and protect my credit

See my score go up, free

As seen in

600+

Your Future Just Got an Upgrade

That credit card with awesome rewards? In your wallet. That new car? Yours. Your dream home? Approved.

660+

Progress without the guesswork

You focus on your goals. We'll help with your credit. No stress, no guesswork - just great results.

700+

Real movement, on average

Members see an average credit score lift of 93 points.

Save more over time

Turn progress into financial momentum

Qualify for better credit cards, loans, and lower interest rates. Get peace of mind with 24/7 credit protection.

Member results

Dovly AI members see:

93 pts¹

shift in credit score, on average

$4,700³

Everything. Nothing extra.

A credit score that opens doors? Yeah, we got you. Dovly's AI-powered tools make it easy, so you get where you need, faster.

Your future, upgraded.

TODAY · COACH DOVLY AI

Pay $40 on your Chase card by Friday, utilization drops under 30% and you gain ~11 pts.

Do itRemind me

+0pts avg

AI DISPUTES

Clean up my report.

Included free. We don't sell disputes. Our AI flags what's wrong and works to get it removed, at zero risk to your score.

Late paymentResolved

Hard inquiryIn review

Filed

At bureau

Resolved

TransUnion

MARKETPLACE MATCHES

Unlock offers picked for you.

Dovly AI surfaces pre-qualified cards, tools, and savings offers matched to your credit.

Credit builder

card matches

savings offers

Dark-web scan · 0 exposures

Watch my back.

$1M ID theft insurance and around-the-clock protection. We shield your identity so you don't have to.

DOVLY AI

Not an app. A friend.

“Nice, your utilization just dropped. One more week and you'll cross 700.”

BUILD CREDIT

Build history, not debt.

A $2,000 tradeline plus rent, phone, and utility payments, reported for you, automatically.*

$2,000 tradelineActive

RentReported

PhoneReported

UtilitiesReported

HOW DOVLY AI WORKS

How It Works Made Simple

Three easy steps. Our AI reviews your report and sees what’s slowing you down. We give you clear personalized steps to increase your score. You stay updated through the app.

Dovly AI

Active

Your credit, your way

Dovly® builds new history, cleans up errors, and keeps you protected, all in one place. 100% free, no fine print, and no stress.

Credit Score & Report

AI Dispute Support

Credit Building

Credit Protection

ID Theft Insurance

People love Dovly AI

2M+

members and growing

150,000+ REVIEWS ON THE APP STORE & GOOGLE PLAY

Financial Freedom
For Everyone

The old-school credit system? Rigged. Built to put profits first, not you. That's why we created Dovly AI to flip the script. Our powerful AI works for you, not against you. And behind the tech? Real people who actually care about you and your financial success. We do it all for free. No gimmicks. No hidden fees. Just real results. It's time to take back control.

“Since I became a member of Dovly my credit score has increased by 33 points currently I'm on the path to gaining a 700 credit score through Dovly!”

Lockwood Perry

“This app is really helping me raise my credit score, right off the bat my score went from 610 to 665. It helping me the easy way putting bank accounts with bill paying history to raise my credit things I already do. I love it!!!”

Eunice Lopez

“Very pleased with how much my credit score is improving so quickly .”

Akira Santos

“Dovly has been so much of a great help with my credit experience with free disputes no credit check”

Kahlil Mccaffity

“I can give nothing but praise to doubly my credit score has gone up I have a few more things to take off but this is the best”

Satin B.

BY THE NUMBERS

4.8★

150k+ reviews

2M+

members and growing

+93

avg pts for Premium members

96%²

of members with low scores saw progress

Safe. Quick. Savvy.

Built around how real people improve their credit: soft pulls only, fast wins, AI that knows what's worth disputing.

Safe
Don't worry, signing up won't hurt your score
Quick
Enroll in minutes - we won't waste your time
Savvy
AI-driven credit tech that works smarter, not harder

Frequently asked questions

CREDIT 101

The credit how-to library.

Short reads on the parts of credit that confuse everyone, written by Dovly AI's credit team, no jargon.

Jul 21, 2026•2 min read

Credit Monitoring for Recent Immigrants in the US: How to Track Your Credit From Day One

You don’t need a credit score to start credit monitoring as a new immigrant in the US. All you need is an SSN or ITIN, plus knowing which tools actually work.

A man researching what a credit score under 700 means and how to improve it.

Jul 10, 2026•3 min read

What a Credit Score Under 700 Really Means and How to Fix It

A credit score under 700 costs money. It affects the interest rate on your car loan, your mortgage eligibility, and whether lenders offer you their best terms or something decidedly worse. This guide breaks down exactly what a sub-700 FICO score means for your wallet, what factors are holding it back, and how a concrete

Jul 6, 2026•3 min read

Credit Score Tips for Immigrants: How to Build US Credit From Zero

Your credit score from home doesn’t follow you here. Not because the US doesn’t trust you, but because American credit bureaus only track what’s happened on US soil. When you first arrive, that file is empty. And that can stop you from renting an apartment, getting a phone plan, or qualifying for an auto loan,

See all articles

GET UP TO +93 PTS

Score Gains

Join 2,000,000+ members improving their credit score.

Over 150,000+ reviews

Every case is different, and not everyone will achieve the same results. ¹Average increase experienced by a sample of 2,922 Dovly AI Premium members that have been enrolled more than 6 months, as of December 2025. ²Increase experienced by a sample of 8,687 Dovly AI members that were using the build product, as of March 2025. ³Averages based on data after 90 days of enrollment from all Dovly AI members enrolled between November 2023 and May 2024. ⁴Based on a sample of 789,548 Dovly AI members, as of November 2024. ⁵Average increase experienced by a sample of 107,727 Dovly AI Free members who remained enrolled for at least 9 months, as of January 2026. ⁶Dovly AI's automated credit engine maximizes your results by submitting the optimal number of disputes each month based on a combination of factors unique to your credit report. ⁷The combined total credit score increase among Dovly members through December 2025. ⁸Average increase experienced by all Dovly members that are enrolled in any of the Dovly credit builder products, as of April 2026. *Eligibility for the $2,000 line of credit is subject to approval and completion of enrollment. Terms and conditions apply. Credit builder products are designed to help improve your credit with responsible use.