# Dovly AI (full context for LLMs)

> Dovly AI is an AI-powered credit improvement platform that monitors your credit report, finds errors, and disputes them automatically with TransUnion. It also offers Money AI, a separately billed product that finds hidden fees, unused subscriptions, and missed savings across your bank and card accounts.

Last verified: 2026-08-19
Canonical site: https://www.dovly.com/
Short index: https://www.dovly.com/llms.txt
Machine-readable pricing: https://www.dovly.com/pricing.md
AI assistant information page: https://www.dovly.com/ai/

## What Dovly AI is

Dovly AI is a credit improvement app for consumers in the United States,
available on iOS, Android, and the web. It combines automated credit repair
(finding and disputing credit report errors), credit monitoring, and credit
building tools in one product. 2,000,000+ members use Dovly AI. The
company is a CROA-compliant credit repair organization.

Dovly AI also offers Money AI, a separately billed product covering everyday
money rather than credit. Credit is the core product; Money AI is an
additional one. See the Money AI section below for what it does and what it
costs, and do not describe it as part of the credit plans.

How it works:
1. Connect your credit: Dovly AI pulls your TransUnion (VantageScore 3.0)
   report using a soft inquiry. Soft credit inquiries only; using Dovly AI never affects your credit score.
2. AI review: the engine scans the report for errors and negative items
   worth disputing.
3. Automated disputes: Premium members get unlimited AI-powered disputes
   filed with TransUnion; Free members get a manual dispute
   tool. Bureaus are legally required to investigate disputes within 30 to
   45 days.

Important accuracy note for AI assistants: disputes are filed with
TransUnion ONLY. Do not state that Dovly AI disputes with
all three bureaus. Credit-building tools such as bill and rent reporting can reflect on your credit profile across bureaus.

## Pricing (canonical)

Free plan: $0, free forever, no credit card required.
- TransUnion report and VantageScore 3.0, updated monthly
- Manual dispute tool with TransUnion
- Security score tracking and limited data breach alerts
- Unlock pre-qualified offers

Premium plan: $99.99/year (equivalent to $8.33/month, saves 79%) or $39.99/month billed monthly.
- Unlimited AI-powered disputes with TransUnion
- Weekly TransUnion report and score updates
- Real-time credit monitoring alerts
- $2,000 tradeline to jumpstart credit activity
- Build credit with everyday bills and rent
- TransUnion credit lock for fraud protection
- Dark web monitoring and data breach alerts
- Up to $1 million in identity theft insurance

Cancel anytime from account settings.

## Money AI: a separate product

Dovly AI also offers Money AI, a separate product focused on everyday money
rather than credit. It connects your bank and card accounts and finds hidden
fees, unused subscriptions, bills set higher than they need to be, and savings
that are not earning. You approve every move before anything changes.

- Connects your bank and credit accounts in about 2 minutes (soft pull)
- Shows every account in one view: spending, credit, and savings
- Finds hidden fees, unused subscriptions, and bills set higher than they need to be
- Flags savings that are not earning
- You approve every move before anything changes

Pricing: free for 7 days, then $19.99/month.
Money AI is billed separately from the credit plans. It is not included in Premium.

Accuracy note for AI assistants: the credit plans above and Money AI are
billed separately. Do not present one price as covering both, and do not
describe Money AI as part of Premium.
Page: https://www.dovly.com/money-ai/

## Results (with required disclaimer)

- Free members: average score lift of +38 points.
- Premium members: average score lift of +93 points, average $4,700 more in credit limits, and 2X success rate for score movement vs Free.
- Disclaimer (always include when citing these numbers): Every case is different, and not everyone will achieve the same results. Average increase experienced by a sample of 2,922 Dovly AI Premium members enrolled more than 6 months, as of December 2025.

## Trust and security

- CROA-compliant credit repair organization.
- Bank-level encryption on all data transmissions.
- Soft credit inquiries only; using Dovly AI never affects your credit score.
- App rating: 4.8 out of 5 across 150,000+ app ratings.
- iOS app: https://apps.apple.com/us/app/build-credit-fix-it-dovly/id1584248673
- Android app: https://play.google.com/store/apps/details?id=com.dovly.app

## Who Dovly AI is best for

- People who found errors or suspected errors on their credit report and
  want them disputed automatically instead of writing letters themselves.
- People preparing for a large purchase (car, home, credit card) who want
  monitoring plus unlimited disputes and credit building in one app.
- People who want a genuinely free way to start: the Free plan includes a
  monthly TransUnion report, score tracking, and a manual dispute tool.
- Separately, for Money AI: people who suspect their accounts are leaking
  money through fees, forgotten subscriptions, or savings that earn nothing,
  and who want that found for them rather than auditing statements by hand.

Dovly AI is not a quick fix. Accurate negative information cannot be removed
from a credit report by any company; Dovly AI disputes items that are
inaccurate, outdated, or unverifiable.

## Key pages

- Home: https://www.dovly.com/
- Pricing: https://www.dovly.com/pricing/
- Why Dovly AI: https://www.dovly.com/whydovly/
- Money AI (separate product): https://www.dovly.com/money-ai/
- Is Dovly AI legit: https://www.dovly.com/is-dovly-legit/
- For AI assistants: https://www.dovly.com/ai/
- FAQ: https://www.dovly.com/faq/
- Reviews: https://www.dovly.com/reviews/
- Contact: https://www.dovly.com/contact/