--- title: "Dovly AI — Build Credit and Boost Your Score (+38 avg) | Dovly" description: "Build and protect your credit with Dovly AI. Average +38 points for Free members, no hard pull to start, TransUnion monitoring, and identity protection." lang: en json-ld: | { "@context": "https://schema.org", "@type": "WebPage", "name": "Ownify", "description": null, "url": "https://try.dovly.com/ownify" } --- [![Dovly AI](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F57609b9fcc6025b6900271239d4f09d95585e8b8-360x96.png&w=256&q=75)![Ownify](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F4c66e4b5cc40035251935eebe7c97a2997de93c3-635x241.png&w=256&q=75)](#pricing) [![Dovly AI](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fb3a7b6584bd354b4d78434d920cc3062b4173a2f-512x512.png&w=96&q=75)](#pricing) [Get Started](#pricing) # Boost your score by 93 points² Dovly's AI helps you build, fix, and protect your score - fast Build and protect your credit. Free. Fast. AI-powered. [Join Free ](#pricing) Join 2M+ happy members [![](/icons/app-store.svg)![](/icons/google-play.svg)4.8 ](https://dovly.sng.link/A7gja/lqequ?_forward_params=2&landingpage=ownify&_p=%7B%22funnel_id%22%3A%22422%22%2C%22page%22%3A%22ownify%22%2C%22button%22%3A%22hero-reviews%22%7D&utm_term=422&transaction_id=3d9c7f5049b34974ad485261b4c4dfb3&affiliate_id=436&offer_id=580&_smtype=3&_fallback_redirect=https%3A%2F%2Fapp.dovly.com%2Fregistration%2F422%2Ffree%3F_p%3D%257B%2522funnel_id%2522%253A%2522422%2522%252C%2522page%2522%253A%2522ownify%2522%252C%2522button%2522%253A%2522hero-reviews%2522%257D) ![](https://cdn.sanity.io/images/3mmzoqfg/production/1a70d09b1d007ff3daa8855d4b161dea4c33596d-48x48.svg) Free Credit Score No credit card required ![](https://cdn.sanity.io/images/3mmzoqfg/production/d98a18a9dcb44ad11cb4ace125fc6788ee9f7b5e-48x48.svg) AI That Gets Results Improves your credit fast ![](https://cdn.sanity.io/images/3mmzoqfg/production/d586c923c7f9b4bbb893370f12948615e1ea01c0-48x48.svg) Won't Hurt Score Safe to check ![](https://cdn.sanity.io/images/3mmzoqfg/production/d8a2fa6e2fa88334a8b271c61843de3542ebc7bb-48x48.svg) 2X success rate² Dovly members win more ![](https://cdn.sanity.io/images/3mmzoqfg/production/059267f082f60dc26067c2a27c19c5b2699270e8-48x48.svg) Build Credit Fast Add history. Raise your score. ![](https://cdn.sanity.io/images/3mmzoqfg/production/cf67989effe843040e4d7e06d7e032aa1e9248ad-48x48.svg) Credit Limit Increase $4,700 avg. increase³ ![Hand holding iPhone with Dovly app](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fb72ba68f77491dec39155a2cb130daeab9fef7bf-1201x1260.png&w=3840&q=75) ![Dovly AI Home Screen](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fb15cc95db2a3e4a39efed7ae43e44bed027f4616-780x1688.jpg&w=828&q=75) ![Dovly AI Boost Found](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F93e0a40e9ceb0dae8d315b42ea72285d8e977dd4-780x1688.jpg&w=828&q=75) ![Dovly AI Dispute Successful](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F34827ef652ad232038e1da8189f7fe2a1c23e4ae-780x1688.jpg&w=828&q=75) ![Dovly AI Score Up](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F25d68d479a9ae4c191fadf338e4078457e7c2f8b-780x1688.jpg&w=828&q=75) ![](https://cdn.sanity.io/images/3mmzoqfg/production/1a70d09b1d007ff3daa8855d4b161dea4c33596d-48x48.svg) Free Credit Score No credit card required ![](https://cdn.sanity.io/images/3mmzoqfg/production/d98a18a9dcb44ad11cb4ace125fc6788ee9f7b5e-48x48.svg) AI That Gets Results Improves your credit fast ![](https://cdn.sanity.io/images/3mmzoqfg/production/059267f082f60dc26067c2a27c19c5b2699270e8-48x48.svg) Build Credit Fast Add history. Raise your score. Check Free AI Works Score's Up Download Featured In ![CNBC](https://cdn.sanity.io/images/3mmzoqfg/production/e211d8712cc67ea5d708822c50af8c4ffc43efc7-2500x1889.svg) ![Forbes](https://cdn.sanity.io/images/3mmzoqfg/production/1435111229b7b5df86b23f5b0c1faf82fdbc6d89-1955x490.svg) ![Time](https://cdn.sanity.io/images/3mmzoqfg/production/6738939706f2af6d7d6e02f3e5d0e8b34facc85b-1497x493.svg) ![Visa](https://cdn.sanity.io/images/3mmzoqfg/production/8a8c813febb97fd97bc7cbb93d39f63e95d8adb2-1339x435.svg) ![MoneyGeek](https://cdn.sanity.io/images/3mmzoqfg/production/2261d90bdd7fa284719f746ed1fb9c8ca86746e1-2138x381.svg) ## People's choice 2M+ Happy members with better credit 4.8 App rating 0 K Verified reviews, real results ![Your {flip} just got an upgrade](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fc425b8c878ed342d3fe3472592845c7cca934ec0-1120x960.jpg&w=3840&q=80) ## Your f u t u r e just got an upgrade Get the rewards card, car, or home you want—we’ll handle your credit. 🚀 Boost your credit score by 93 points, on average. 💰 Qualify for better cards, loans, and rates. 🔒 Get 24/7 credit protection. [Join Free](#pricing) How It Works ## 3 steps. Better credit. AI handles everything while you live your life. No paperwork, just results. 01 ![Sign up in under 2 minutes](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F0517fb71e367ca4e4bd6787e5329e91c92177a9e-1080x1920.jpg&w=3840&q=80) ### Sign up in under 2 minutes Start your free Dovly AI account. No hard credit pull. 02 ![We’ll do the heavy lifting](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fecddd207e7612c11b5d7a9b4297e2e440a1cd8af-1080x1920.jpg&w=3840&q=80) ### We’ll do the heavy lifting Our AI analyzes your credit, finds what’s holding you back, and gives you personalized tools and expert tips to build, fix, or protect your score. 03 ![Watch Your Score Improve](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fc10dd337f85039b84324aac47502fd9489aff3e5-1080x1920.jpg&w=3840&q=80) ### Watch Your Score Improve No guesswork - just results. We track your progress, send pro tips, and keep you in the know ## Dovly AI users see 0 PTS average credit score increase $4,700 average credit limit increase³ 0 % of members with a credit score below 550 see an improvement⁴ ## Why Dovly AI Works 1 ### Errors on your report? Gone. Our AI scans your report, flags what's wrong, and disputes it for you, automatically. Premium members see an average boost of 93 points. Let's go. ![Errors on your report? Gone.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F191d5929610e4a989ddf06dfa47241a96b1bdbe0-1120x960.jpg&w=3840&q=80) ## Why Dovly AI Works 1 ### Errors on your report? Gone. Our AI scans your report, flags what's wrong, and disputes it for you, automatically. Premium members see an average boost of 93 points. Let's go. ![Errors on your report? Gone.](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F191d5929610e4a989ddf06dfa47241a96b1bdbe0-1120x960.jpg&w=3840&q=80) 2 ### Credit Building Made Simple Report everyday payments and add a $2,000 positive tradeline with no interest or annual fee, designed to help strengthen your credit profile over time.² ![Credit Building Made Simple](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F720068a591592aa8bf649bc9fbb81abb711acfb8-1120x960.jpg&w=3840&q=80) 3 ### A Smarter Plan to Improve Your Score Unlock personalized steps based on your goal, so you always know what to do next to keep moving forward ![A Smarter Plan to Improve Your Score](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2F55a43ad3cb9e3f69310fdf3a066918195d6ec1dd-1120x960.jpg&w=3840&q=80) 4 ### Real-Time Score Tracking Watch your credit score update in real time. Get notified the moment changes hit your report so you always know where you stand. ![Real-Time Score Tracking](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fa25e16439434cb2388acc1fc9eac412182a56e2a-1120x960.jpg&w=3840&q=80) ## Choose your plan Start free and upgrade whenever you're ready. No hidden fees, cancel anytime. #### Credit Score & Report #### AI Dispute Support #### Credit Building #### Credit Protection #### ID Theft Insurance Most Popular Premium $39.99/mo $1999 /mo $8.33$19.99 Cancel anytime [Start Premium](https://app.dovly.com/registration/422/premium?plan=premium&landingpage=ownify&_p=%7B%22funnel_id%22%3A%22422%22%2C%22page%22%3A%22ownify%22%2C%22button%22%3A%22pricing-premium-cta%22%7D&utm_term=422&transaction_id=3d9c7f5049b34974ad485261b4c4dfb3&affiliate_id=436&offer_id=580) 30-day money-back guarantee Average **93pt** score lift² Average **$4,700** more in credit limits³ Average **2X** success rate for score movement⁵ **Weekly** TransUnion report and score Unlock pre-qualified offers Monitoring alerts to stay on top of credit changes **Unlimited** AI-powered disputes with TransUnion (free bonus!) **$2K** tradeline to jumpstart credit activity⁶ Build credit with everyday bills & rent Security score shows potential risk levels Data breach alerts TransUnion credit lock for fraud protection **$1M** identity theft insurance Free $0 /mo [Get Started Free](https://app.dovly.com/registration/422/premium?plan=free&landingpage=ownify&_p=%7B%22funnel_id%22%3A%22422%22%2C%22page%22%3A%22ownify%22%2C%22button%22%3A%22pricing-free-cta%22%7D&utm_term=422&transaction_id=3d9c7f5049b34974ad485261b4c4dfb3&affiliate_id=436&offer_id=580) No credit card required Average 38pt score lift¹ — — Monthly TransUnion® report and score Unlock pre-qualified offers — Manual dispute tool with TransUnion — — Security score tracking Limited data breach alerts — — Most Popular Premium $39.99/mo $1999 /mo $8.33$19.99 Cancel anytime [Start Premium](https://app.dovly.com/registration/422/premium?plan=premium&landingpage=ownify&_p=%7B%22funnel_id%22%3A%22422%22%2C%22page%22%3A%22ownify%22%2C%22button%22%3A%22pricing-premium-cta%22%7D&utm_term=422&transaction_id=3d9c7f5049b34974ad485261b4c4dfb3&affiliate_id=436&offer_id=580) 30-day money-back guarantee Average **93pt** score lift² Average **$4,700** more in credit limits³ Average **2X** success rate for score movement⁵ Credit Score & Report AI Dispute Support Credit Building Credit Protection ID Theft Insurance Free $0 /mo [Get Started Free](https://app.dovly.com/registration/422/premium?plan=free&landingpage=ownify&_p=%7B%22funnel_id%22%3A%22422%22%2C%22page%22%3A%22ownify%22%2C%22button%22%3A%22pricing-free-cta%22%7D&utm_term=422&transaction_id=3d9c7f5049b34974ad485261b4c4dfb3&affiliate_id=436&offer_id=580) No credit card required Average 38pt score lift¹ — — Credit Score & Report AI Dispute Support Credit Building Credit Protection ID Theft Insurance ★★★★★ 100,000+ reviews ## What Our Members Are Saying “Seriously, I went from a 536 to 638 in about a month. I don't even know how it happened but I'm so appreciative because I'm trying to buy a house.” SJ Shakita J. Google “I use only the free section of Dovly AI and I did NOT expect to get the gift I got this morning! My credit score jumped 123 pts! THANK YOU DOVLY AI for your help!” HT Hannah T. Trustpilot “So thankful for this app my credit score has went up 100 pts... thank you so much Dovly AI” MR Marcus R. Google “Within 30 days my score jumped 45 points. The AI disputes are incredibly effective and easy to use.” JL Jennifer L. Trustpilot “Seriously, I went from a 536 to 638 in about a month. I don't even know how it happened but I'm so appreciative because I'm trying to buy a house.” SJ Shakita J. Google “I use only the free section of Dovly AI and I did NOT expect to get the gift I got this morning! My credit score jumped 123 pts! THANK YOU DOVLY AI for your help!” HT Hannah T. Trustpilot “So thankful for this app my credit score has went up 100 pts... thank you so much Dovly AI” MR Marcus R. Google “Within 30 days my score jumped 45 points. The AI disputes are incredibly effective and easy to use.” JL Jennifer L. Trustpilot “Best credit repair tool I've ever used. Automated everything and I saw results in weeks, not months.” DK David K. Google “Really impressed with how simple this is. Connected my accounts and Dovly AI handled the rest. Score up 67 points!” PM Priya M. Facebook “I was skeptical at first but Dovly AI delivered. Three negative items removed in the first round of disputes.” CS Carlos S. Trustpilot “Finally a credit tool that actually works and doesn't cost a fortune. The free tier alone got me results.” AW Aisha W. Google “Best credit repair tool I've ever used. Automated everything and I saw results in weeks, not months.” DK David K. Google “Really impressed with how simple this is. Connected my accounts and Dovly AI handled the rest. Score up 67 points!” PM Priya M. Facebook “I was skeptical at first but Dovly AI delivered. Three negative items removed in the first round of disputes.” CS Carlos S. Trustpilot “Finally a credit tool that actually works and doesn't cost a fortune. The free tier alone got me results.” AW Aisha W. Google ## Frequently Asked Questions Everything you need to know about Dovly AI and how our AI-powered platform helps repair your credit. What is Dovly AI? How does Dovly AI help increase credit scores? How many points do members typically see? What do I need in order to enroll? Is Dovly AI safe to use? Does Dovly AI have an app? Get 93 pts ## We’ve helped members boost their scores by 22M+ points.\* Join over 2,000,000 members who have boosted their credit scores with Dovly AI. [Get Started Today](#pricing) Based on 120,000+ reviews ![Dovly AI](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3mmzoqfg%2Fproduction%2Fcb515a77e35fdf479f33e6bc29d89902ee7a554f-128x128.png&w=384&q=75) ### Ask AI about Dovly AI Learn “What is Dovly AI and how does it help with credit building?” Compare “How does Dovly AI compare to other credit score services?” [](https://www.instagram.com/dovly)[](https://www.tiktok.com/@dovlycredit/)[](https://www.facebook.com/Dovly/)[](https://www.youtube.com/channel/UCNiv0d2L-mJxwhzIs7VgooA)[](https://www.linkedin.com/company/dovly/)[](https://twitter.com/dovly_inc) © 2026 Dovly, Inc. All rights reserved. - [Terms & Conditions](https://www.dovly.com/terms-conditions/) - [Privacy Policy](https://www.dovly.com/privacy-policy/) - [CA Privacy Rights](https://www.dovly.com/california-privacy-policy/) - Cookie Settings Every case is different, and not everyone will achieve the same results. 1. Average increase experienced by a sample of 107,727 Dovly AI Free members who remained enrolled for at least 9 months, as of January 2026. 2. Average increase experienced by a sample of 2,922 Dovly AI Premium members that have been enrolled more than 6 months, as of December 2025. 3. Averages based on data after 90 days of enrollment from all Dovly AI members enrolled between November 2023 and May 2024 4. Increase experienced by a sample of 8,687 Dovly AI members that were using the build product, as of March 2025. 5. Based on a sample of 789,548 Dovly AI members, as of November 2024. 6. Eligibility for the $2,000 line of credit is subject to approval and completion of enrollment. Terms and conditions apply. Credit builder products are designed to help improve your credit with responsible use. \*. The combined total credit score increase among Dovly members through December 2025. ## Cookie Preferences Dovly uses cookies to enhance your experience and provide personalized content. 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