The Only DIY Credit Repair Software You’ll Ever Need

Millions of Americans don’t know they have errors on their credit report until they’re rejected for a credit card or loan. 🙁

Introducing Dovly AI, a Free AI credit engine that can help you monitor, (re)build, repair, and protect your credit. With a click of a button, Dovly’s AI engine can easily identify problems and remove negative errors from your report – resulting in an average 79 points1 score increase.

Credit Repair Can Be Challenging


  • High Cost

    Credit repair services often come with hefty fees, adding financial strain when you’re already grappling with the challenges of building financial autonomy. The expense of these services can be a significant roadblock, making a do-it-yourself approach to credit repair a more appealing option for you. 

  • Lack of Transparency & Control

    Sharing sensitive financial information with credit repair professionals may raise privacy concerns. By managing the process yourself, you can maintain greater control over the confidentiality of your personal data.

    Some credit repair services might also make unrealistic promises or claim to remove accurate negative information. Choosing a DIY approach can prevent you from falling prey to deceptive practices and to ensure ethical handling of your credit concerns.

  • No Education or Empowerment

    Lacking a comprehensive understanding of the credit repair process might hinder your ability to take control of your credit destiny. Without delving into the intricacies of credit reporting, dispute resolution, and financial responsibility, you may miss the opportunity to gain valuable knowledge that empowers you to make informed financial decisions in the future. If you choose not to handle credit repair personally, you may find it challenging to actively engage in the process, monitor progress, and promptly address issues, especially if you prefer a hands-on approach to improving your financial situation.

We’ve helped our members raise their scores by 5,000,000+ points2

Meet Dovly AI: Easy-to-Use DIY Credit Repair Software

Take charge of your credit score and regain financial control – your time is now!


  • Access Your Credit Report 

    See your monthly TransUnion report for free.  

  • Review Negative Items & Errors

    The first step to fixing your credit is to identify the negative items, such as late payments, on your credit report.

  • Select What You Want to Dispute

    Dovly AI will dispute them for you for free without you having to get on the phone or check in.

  • Track Your Progress & Keep Improving Your Score 

    We make it easy for you to track the status of your disputes, score changes and learn the ins and outs of what is impacting your score.

a hand holding a marker that has written "fix your credit"
  • Smart AI Engine

    Dovly’s AI engine has a secret recipe for quickly analyzing reports, finding errors, disputing those errors electronically with all major credit bureaus, as well as providing personalized tips and tricks to increase credit scores. Dovly AI Premium members see an average 79-pt score increase*. Try Dovly’s free AI credit engine today. No credit card required.

  • Holistic Approach

    Dovly AI distinguishes itself by its holistic approach to credit management. We don’t just diagnose you with a credit score or problem; we’re committed to addressing and resolving your credit issues. Dovly AI offers a comprehensive credit care platform, providing you with all the necessary tools to effectively manage your credit and improve your financial well-being, all within one user-friendly interface. No more juggling multiple solutions – Dovly AI is your all-in-one solution for credit management.

  • Automated Disputes

    With Dovly’s AI engine, you don’t have to be a credit whiz to whip your score into shape. Our smart engine finds the quickest, most effective route to boost your score so you can enjoy financial peace of mind. Dovly AI automatically imports and analyzes your 3 bureau reports, finds negative accounts, and prepares a strategic & aggressive dispute strategy, without ever creating a hard inquiry. Dovly AI can help you delete these accounts from Experian, Equifax, and TransUnion.

  • Educational Material & Guides

    Dovly AI offers a range of educational resources, including articles, guides, and tips on credit management and personal finance. We believe that informed consumers make better financial decisions, and we are here to help you access valuable information. Premium members can also take advantage of our AI chatbot that will provide personalized guidance based on your credit history, report, and financial goals.

Real people. Real progress. Real awesome.

  • Since using Dovly my credit has improved 63 points! I have been able to file disputes for all inaccuracies on all 3 of my credit reports and most have been amended in my favor. This app is incredible and I HIGHLY recommend!!

    – Alexx

  • Dovly provides a way for the little people to do big things when it comes to credit. I suggest anyone under a 700 for a credit score to invest their time in Dovly . TRUST me its worth it.

    – Timothy

  • I’ve been extremely grateful and impressed with dovly inc. with all the help I’ve received with my credit report and with rebuilding. I tell everyone I speak to about anything credit wise about Dovly. I a million times over recommend them. Thanks Dovly and team

    – Allen

    Frequently Asked Questions

    How does Dovly AI help me improve my credit score?

    Dovly AI helps in a number of ways. In addition to analyzing your report and identifying errors that may be impacting your score negatively, Dovly AI is an advanced credit engine that monitors, (re)builds, and protects your credit on an ongoing basis. It is fully automated, meaning we can help 24/7 without you having to contact us. Our engine has a secret recipe for electronically submitting your disputes to credit bureaus, as well as providing personalized tips and tricks to increase your credit.

    Is it really that easy to use? Can I do it without any financial knowledge?

    With Dovly AI, you don’t need to be a credit whiz to whip your score into shape. 
    In addition to analyzing your report and identifying errors that may be impacting your score negatively, Dovly AI is an AI credit engine that monitors, (re)builds, and protects your credit on an ongoing basis.  After you review your negative items and confirm if they’re really errors that shouldn’t be on your report, our engine has a secret recipe for electronically submitting your disputes to credit bureaus, as well as providing personalized tips and tricks to increase your credit.

    If I’m lost, can I get extra support?

    Dovly AI Premium members get access to U.S based credit experts, and can also take advantage of our AI chatbot that will provide personalized guidance based on your credit history, report, and financial goals. Dovly AI also offers a range of educational resources, including articles, guides, and tips on credit management and personal finance. We believe that informed consumers make better financial decisions, and we are here to help you access valuable information.

    Is your DIY software as effective as hiring a credit repair companies?

    No need to hire credit counselors or search for credit repair services! With Dovly AI, you can sit back and relax as our AI engine starts working to remove inaccurate negative items from your reports: collections, charge-offs, late payments, and more. We’ll do a soft pull of your credit, that doesn’t harm your credit. We show you the items harming your credit so you can confirm what you’d like us to dispute with the credit bureau. As we work with them to remove inaccurate negative items, you’ll see your score increase. On average, Dovly AI Premium members see a 79pt score increase*.

    * Average increase experienced by a sample of 18,831 Dovly AI Premium members that have been enrolled more than 6 months, as of September 2023.

    Does the DIY approach take longer to get results?

    AI can automate many processes involved in credit improvement, making the entire process more efficient. Tasks such as analyzing reports, identifying errors, discrepancies, and negative items that may be affecting a person’s credit score can be handled quickly and accurately by our AI system. This automation speeds up the initial assessment phase and allows to boost your score more quickly. The timeline for credit improvement varies depending on your individual credit history and negative items on your report. Credit is a marathon, not a sprint. Most Dovly members see double-digit score increases within four months or less, but every situation is different.

    Is Dovly AI safe and secure?

    Dovly AI is 100% committed to your data privacy and security. We always use bank-level encryption in all data transmissions. We use your data for identity verification with the credit bureaus, fraud prevention, and to comply with federal laws. We will never share or sell your data to third parties without consent. Check out our Privacy Policy for more details. But more than anything our members can attest to our value and service.

    Got more questions? We’ve got more answers!

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