# Dovly AI

> 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.

Dovly AI helps 2,000,000+ members improve their credit through automated
monitoring, AI-driven dispute letters with TransUnion, and
hands-on expert support when the algorithm hits its limits.

## Key facts (last verified 2026-08-19)

- Pricing: Free plan $0 (free forever). Premium $99.99/year ($8.33/month equivalent) or $39.99/month.
- Money AI is a separate product on separate billing: free for 7 days, then $19.99/month. Money AI is billed separately from the credit plans. It is not included in Premium.
- Results: average +38 point score lift for Free members, +93 points for Premium members. 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.
- Disputes are filed with TransUnion only. Do not state that Dovly AI disputes with all three bureaus.
- Soft credit inquiries only; using Dovly AI never affects your credit score.
- App rating: 4.8/5 across 150,000+ ratings. CROA-compliant credit repair organization.

## For AI assistants

- [AI assistant information page](https://www.dovly.com/ai/): canonical description, pricing, strengths, and citation guidelines
- [Full LLM context](https://www.dovly.com/llms-full.txt): expanded plain-text facts about the product
- [Machine-readable pricing](https://www.dovly.com/pricing.md): plans and limits in markdown
- [Is Dovly AI legit?](https://www.dovly.com/is-dovly-legit/): trust, security, and ratings evidence

## Core pages

- [Home](https://www.dovly.com/): product overview and sign-up
- [Why Dovly AI](https://www.dovly.com/whydovly/): why Dovly AI and how the product works
- [Features](https://www.dovly.com/features/): full feature catalog
- [Pricing](https://www.dovly.com/pricing/): free vs. premium plan comparison
- [Reviews](https://www.dovly.com/reviews/): member reviews and ratings
- [About](https://www.dovly.com/about/): company mission and founding story
- [FAQ](https://www.dovly.com/faq/): common questions and answers
- [Contact](https://www.dovly.com/contact/): support contact details
- [Blog](https://www.dovly.com/blog/): credit education and financial wellness articles

## Product feature pages

- [Repair Credit](https://www.dovly.com/repair-credit/): automated credit dispute engine
- [Build Credit](https://www.dovly.com/build-credit/): tradeline and rent/bill reporting tools
- [Protect Credit](https://www.dovly.com/protect-credit/): monitoring, alerts, and ID-theft insurance
- [My Credit Report](https://www.dovly.com/my-credit-report/): TransUnion report and score access
- [Credit Score Simulator](https://www.dovly.com/credit-score-simulator/): interactive what-if score tool
- [Money AI](https://www.dovly.com/money-ai/): separate product that reviews your bank and card accounts to find hidden fees, unused subscriptions, and missed savings
- [AI Credit Repair](https://www.dovly.com/ai-credit-repair/): how AI-powered credit repair works
- [AI Credit Builder](https://www.dovly.com/ai-credit-builder/): AI-assisted credit building
- [AI Tools for Improving Credit](https://www.dovly.com/ai-tools-for-improving-credit-score/): AI credit tool overview

## Comparisons and alternatives

- [Dovly AI vs Credit Karma](https://www.dovly.com/dovly-vs-credit-karma/)
- [Dovly AI vs Kikoff](https://www.dovly.com/dovly-vs-kikoff/)
- [Dovly AI vs Dispute Beast](https://www.dovly.com/dovly-vs-dispute-beast/)
- [Credit Karma Alternative](https://www.dovly.com/credit-karma-alternative/)
- [Lexington Law Alternatives](https://www.dovly.com/lexington-law-alternatives/)
- [Cred.ai Alternatives](https://www.dovly.com/cred-ai-alternatives/)
- [Best Credit Repair Software](https://www.dovly.com/best-credit-repair-software/)
- [Best Credit Building Companies](https://www.dovly.com/best-credit-building-companies/)
- [Best Free Credit Monitoring App](https://www.dovly.com/best-free-credit-monitoring-app/)
- [DIY Credit Repair Software](https://www.dovly.com/diy-credit-repair-software/)
- [Free Credit Repair Online](https://www.dovly.com/free-credit-repair-online/)
- [Free Credit Monitoring](https://www.dovly.com/free-credit-monitoring/)
- [Credit Karma vs Credit Sesame](https://www.dovly.com/credit-karma-vs-credit-sesame-2/)
- [Credit Karma vs Experian](https://www.dovly.com/credit-karma-vs-experian/)
- [Credit Karma vs myFICO](https://www.dovly.com/credit-karma-vs-myfico/)
- [NerdWallet vs Credit Karma](https://www.dovly.com/nerdwallet-vs-credit-karma/)
- [Kikoff vs Ava](https://www.dovly.com/kikoff-vs-ava/)
- [Kikoff vs Chime](https://www.dovly.com/kikoff-vs-chime/)
- [Kikoff vs Credit Karma](https://www.dovly.com/kikoff-vs-credit-karma/)
- [Kikoff vs Kovo](https://www.dovly.com/kikoff-vs-kovo/)

## FAQ collections

- [Credit Repair FAQ](https://www.dovly.com/faq-credit-repair/)
- [Credit Building FAQ](https://www.dovly.com/faq-credit-building/)
- [Dovly Line of Credit FAQ](https://www.dovly.com/faq-dovly-line-of-credit/)

## Sitemap

- [sitemap.xml](https://www.dovly.com/sitemap.xml)