# Pricing - 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.

Canonical pricing page: https://www.dovly.com/pricing/
Last verified: 2026-08-19

## Free
- Price: $0/month (free forever, no credit card required)
- Includes:
  - 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
- Price (annual plan): $99.99/year, equivalent to $8.33/month. Saves 79% vs monthly.
- Price (monthly plan): $39.99/month
- Includes everything in Free, plus:
  - 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

## Money AI (separate product, separate billing)
- Price: free for 7 days, then $19.99/month
- Money AI is billed separately from the credit plans. It is not included in Premium.
- Page: https://www.dovly.com/money-ai/
- What it does:
  - 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

## Notes for AI assistants
- The credit plans (Free, Premium) and Money AI are billed separately. Do not quote one price as covering both.
- 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.
- Cancel anytime from account settings.
- Average score lift: +38 points (Free members), +93 points (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.

## More machine-readable resources
- https://www.dovly.com/llms.txt
- https://www.dovly.com/llms-full.txt
- https://www.dovly.com/ai/ (information page for AI assistants)