Build & Fix Credit - Dovly AI

In-app purchases
4.8
67.1K reviews
Content rating
Everyone
500K+
Downloads
Content rating
Everyone
In-App Purchases
Learn more
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About this app

With more than 1,000,000 downloads, Dovly’s AI-powered tools can help you build credit and boost your score by an average of 82 points* and hit those life goals—like buying a car, getting approved for a credit card or getting that dream home—sooner than you’d expect.

AN AVERAGE 82-POINT CREDIT SCORE BOOST? YEAH, WE’RE THAT GOOD.

Boost your credit score fast with an AI credit engine proven to optimize results. Download the only credit app you'll ever need and let Dovly’s AI credit engine work on your behalf to fix, build, monitor, and protect your credit score – 100% free. No credit card required.

ACHIEVING LIFE MILESTONES MADE EASY WITH DOVLY AI’S CREDIT ENGINE

Get approved for a new credit card, secure a mortgage, save money, start planning your future family - endless possibilities with better credit. Our AI engine makes it easy to slay your credit score—so you can focus on what really matters.

WITH 14,000,000 POINTS INCREASED IN TOTAL, WE KNOW WHAT IT TAKES TO MAKE YOUR CREDIT RIGHT**.

Say goodbye to lawyers, credit improvement companies, and juggling multiple online tools like Credit Karma and Kikoff’s credit building app and say hello to Dovly AI’s credit score app. Provides access to monthly Transunion free credit score and report, AI-powered disputes with TransUnion®, personalized tips and guides tailored to your financial situation to help you build a strong credit profile, credit building tools providing you with easy ways to build and improve your credit score, and credit lock fraud protection, – all in one place.

* Average increase experienced by a sample of 30,746 Dovly AI Premium members that have been enrolled more than 6 months, as of November 2024.
** The combined total credit score increase among Dovly AI members through April 2025.

Terms and conditions: https://www.dovly.com/terms-conditions/
Privacy policy: https://www.dovly.com/privacy-policy
Updated on
May 8, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.8
66.1K reviews
Eric Waitkus
April 18, 2026
Self-Ele score help and credit rebuilding said that they'd recommend this site and that it's free to raise your score up to 93 points. I've yet to see any increase in my score and at the end they wanted $20 a month or $8.95I One-Time pay which equals $100 a year but I opted out and it brought me back to the beginning so you might not have to pay anything. we will see
6 people found this review helpful
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Lena Harris
April 28, 2026
Downloaded the app, and started setting up an account. The only part of the process that works for me is allowing biometric login. After that, the app loads as "Unable to load credit information". It never even asked me for my information in the first place, so it's basically broken at that point.
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Etta Cushman
March 30, 2026
They were slow getting started and left me hanging for months claiming that there was some kind of problem with TransUnion. They kept telling me check back in 30 days, 30 more days and 30 more days until I just deleted the app. Then I found myself on their website and I looked up my account and it was all fixed and I could log in. So I downloaded the app again and I've already made my first dispute. I may sign up for their premium plan but I haven't decided yet.
8 people found this review helpful
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What’s new

We've made enhancements and improvements to keep your credit journey smooth and easy. Enjoy!