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.

Pricing

Your Credit, your way

Dovly® builds new history, cleans up errors, and keeps you protected, all in one place.

100% free to start. No fine print. No stress.

Soft pull onlyCancel anytimeCROA-compliant

Credit Score & Report

AI Dispute Support

Credit Building

Credit Protection

ID Theft Insurance

Premium pays for itself.

+93pts

Average score lift

$4,700

Compare every feature

Five categories. One side-by-side view of what you get on each plan.

Free

Premium

Credit Score & Report

TransUnion® report and score

Monthly

Weekly

Unlock pre-qualified offers

Monitoring alerts to stay on top of credit changes

AI Dispute Support

Manual dispute tool with TransUnion®

Unlimited AI-powered disputes with TransUnion (free bonus!)⁶

Credit Building

$2K tradeline to jumpstart credit activity*

Build credit with everyday bills & rent

Credit Protection

Security score

Tracking

Shows potential risk levels

Data breach alerts

Limited

TransUnion® credit lock for fraud protection

ID Theft Insurance

$1M ID theft insurance

Credit Score & Report

AI Dispute Support

Credit Building

Credit Protection

ID Theft Insurance

Which plan is right for you?

Honest answer in two questions.

Dovly AI Free

+38pts

Avg score lift, Free members

You're starting out, or just curious where you stand.

Want to see your TransUnion® score for free
Need to dispute one or two errors
Want monitoring before paying for anything

Join Free

You have a real goal: a car, a home, a card.

Big purchase in the next 12 months
Want unlimited disputes + faster results
Build credit with a $2,000 tradeline
Need $1M ID-theft insurance and breach alerts

Unlock Premium

Why pay more for less?

Dovly AI Premium does what monitoring apps and credit-builder apps do, and the things they don't.

★ Our pick

Dovly AI Premium

Credit Karma

Kikoff

Monthly cost

$8.33

Free (ad-supported)

From $5

AI-powered disputes

Included for free

Credit-builder tools

$1M ID theft insurance

Real-time monitoring alerts

Cancel anytime

N/A (free)

Pricing reflects each provider’s public marketing as of 2026. Feature coverage based on each provider’s standard plan inclusions.

Frequently asked questions

Everything you might want to know before you sign up.

Get started in 2 minutes

Ready to improve your credit?

Join over 2,000,000 members who have boosted their credit scores with Dovly AI. Start for free. No credit card required.

Free to start
No hard pull
2-minute setup

Your Credit, your way

Compare Free and Premium plans

Credit Score & Report

AI Dispute Support

Credit Building

Credit Protection

ID Theft Insurance

Premium pays for itself.

Compare every feature

Which plan is right for you?

You're starting out, or just curious where you stand.

You have a real goal: a car, a home, a card.

Why pay more for less?

Frequently asked questions

Ready to improve your credit?