Grow your credit score for free with Dovly AI. Get your credit score and full report, plus AI-powered tools that check what's holding your score back, help you build credit, and find money you're losing. No credit card required.
With more than 2,000,000 downloads, Dovly AI's tools can help you build credit and boost your score by an average of 93 points for Premium members* 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 93-POINT CREDIT SCORE BOOST FOR PREMIUM MEMBERS? 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 AI's credit engine work on your behalf to build, boost, monitor, and protect your credit score.
FREE CREDIT SCORE. FREE CREDIT REPORT. NO CREDIT CARD REQUIRED.
Your TransUnion credit score and full report updated monthly, an AI-powered review of what's on your report and what's holding your score back, score tracking with alerts when something changes, personalized tips and guides built around your actual credit profile, and credit lock to freeze your TransUnion file against fraud. All free — no credit card, no trial, no catch.
WANT TO MOVE FASTER? GO PREMIUM.
Premium members get a $2,000 credit builder tradeline and a rent and bills credit builder that turns payments you're already making into credit history — the tools behind that average 93-point increase*.
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 22,000,000 POINTS INCREASED IN TOTAL, WE KNOW WHAT IT TAKES TO MOVE YOUR SCORE**.
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 free credit score app.
MORE THAN CREDIT. YOUR MONEY, HANDLED.
Dovly AI is also expanding beyond credit — because your score isn't the only thing worth watching. It reads your bank accounts and credit cards, finds what you're losing to forgotten subscriptions, hidden fees, and savings earning nothing, and tells you what to do next. So goals like a house, a college fund, a down payment, or a retirement date actually have a plan behind them. Read-only, always — your money never moves without you. Money features are part of Dovly AI Premium.

* Average increase experienced by a sample of 2,922 Dovly AI Premium members enrolled more than 6 months, as of December 2025.

** The combined total credit score increase among Dovly AI members through December 2025.

Terms and conditions: https://www.dovly.com/terms-conditions/
Privacy policy: https://www.dovly.com/privacy-policy

Dovly.com

Additional Information