# Build Credit & Fix It: Dovly — Fast AI Credit Score Boost

> AI-powered credit building and score improvement app. (iPhone/iPad app by Dovly, Inc..)

- Source: https://appshunter.io/ios/app/build-credit-and-fix-it-dovly/id1584248673 (this page in markdown: same URL + `.md`)
- Developer: [Dovly, Inc.](https://appshunter.io/developer/1584248675)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.80/5 from 74,970 App Store ratings · 593 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 67 MB
- Languages: American English
- Released: 2022-04-28
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/build-credit-and-fix-it-dovly/id1584248673/reviews.md

## What is Build Credit & Fix It?

Build credit history or fix your credit with Dovly AI. AI-powered tools dispute errors, boost your score, and find money you're losing.

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 fix, build, monitor, and protect your credit score — 100% free to start. 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 22,000,000 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.

MORE THAN CREDIT. YOUR MONEY, HANDLED.

Dovly AI is also expanding beyond credit — because your score isn't the only thing worth watching. It looks after your money too, finding what you're losing and telling you what to do next, so goals like a house, a college fund, or a retirement date actually have a plan behind them. New money planning features are rolling out over time.

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

Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Terms and conditions: https://www.dovly.com/terms-conditions/
Privacy policy: https://www.dovly.com/privacy-policy

## Key features

- AI-powered credit building
- Dispute inaccurate credit items
- Credit score monitoring
- Personalized credit tips
- Credit lock fraud protection
- Free credit report access

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Essential | $9.99 | per month |
| Essential | $9.99 | per month |
| Premium | $4.99 | per month |
| Premium | $19.99 | per month |
| Premium | $19.99 | per month |
| Premium | $19.99 | per month |
| Premium | $19.99 | per month |
| Protect | $9.99 | per month |
| Premium | $99.99 | per year |
| Premium | $39.99 | per month |
| Premium | $19.99 | per month |
| Premium | $9.99 | per month |
| Premium | $19.99 | per month |
| Premium | $29.99 | per month |
| Premium | $19.99 | per month |
| Premium | $99.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Tip | $0.99 | one-time |


## Chart rankings

- #145 in Top Free · Finance (US App Store)
- #5 in Top Grossing · Finance (US App Store)

## What do users think of Build Credit & Fix It?

Overall sentiment: positive

**Pros**

- 🚀 Powerful and convenient app
- 👍 Easy to use and navigate
- 💡 Helpful for tracking and improving credit
- 🚀 Quick dispute resolution
- 🚀 Instant credit score updates
- 👍 Straightforward and user-friendly

**Cons**

- 🐛 Frequent log-outs and login issues
- 🐛 Disputed items not showing up
- 💰 Misleading about free services
- 🐛 Disputes not working as expected
- 🐛 Inaccurate credit score reporting

**Commonly reported bugs**

- Frequent log-outs
- Disputed items not showing up
- Inaccurate credit score reporting

**Most requested features**

- Dark mode option
- Advanced dispute management tools
- Better integration with credit bureaus
- More transparency on free vs. paid services

## Recent user reviews (10 of 593)

All indexed reviews: https://appshunter.io/ios/app/build-credit-and-fix-it-dovly/id1584248673/reviews.md

### 1/5 — Do not get

*2026-08-24, version 9.3.0*

I canceled the membership and thy report me to trans union as collection account

### 5/5 — Credit builder

*2026-08-23, version 9.3.0*

Great app to utilize to improve your credit.

### 5/5 — Build credit

*2026-08-23, version 9.3.0*

First day I already got one of my things disputed off my credit it has been holding me down. I am so happy and I love this website thank you.

### 5/5 — $20/mo, works exactly as advertised

*2026-08-23, version 9.3.0*

Seems to be legit 🤷‍♂️😂

### 5/5 — Nice

*2026-08-23, version 9.3.0*

Love it

### 5/5 — Account is accurate

*2026-08-23, version 9.3.0*

This is a very good credit score tracking system!

### 5/5 — Fix credit score

*2026-08-23, version 9.3.0*

Dovly will boost your credit score in second great to try

### 5/5 — Awesome

*2026-08-22, version 9.3.0*

Awesome

### 5/5 — Petahguy

*2026-08-21, version 9.3.0*

Not Free but works

### 5/5 — Everything goes up

*2026-08-20, version 9.3.0*

Real easy and affordable

## Frequently asked questions about Build Credit & Fix It

### What does Dovly AI do?

Dovly AI is an application designed to help users build and improve their credit score. It utilizes AI-powered tools to analyze credit reports, dispute inaccuracies, provide personalized financial advice, and offer credit lock protection.

### How can Dovly AI help me build credit?

The app offers credit building tools that make it easier to establish and enhance your credit profile. It also provides personalized tips and guides tailored to your financial situation to help you build a strong credit history over time.

### Is Dovly AI free to use?

The app is described as free to download and use, with no credit card required for its core AI credit engine. However, it does have in-app purchases, suggesting that some advanced features or services may come at a cost.

### What credit bureaus does Dovly AI work with?

Dovly AI provides access to monthly TransUnion free credit scores and reports. It also facilitates AI-powered disputes with TransUnion®, indicating a primary focus on this credit bureau.

### Who is Dovly AI for?

This app is intended for individuals who want to improve their creditworthiness, whether they are looking to build credit from scratch, fix errors on their report, or boost their score to achieve significant financial goals like buying a car or a home.

## Version history (last 5 releases)

### 9.3.0 — 2026-08-13

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

### 9.2.0 — 2026-08-11

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

### 9.1.0 — 2026-07-30

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

### 9.0.2 — 2026-06-12

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

### 9.0.1 — 2026-05-22

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

## Apps similar to Build Credit & Fix It

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (265,158) | Free | Finance |
| [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,368) | Free | Finance |
| [Self - Credit Builder & Cards](https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562) | 4.9 (326,646) | Free | Finance |
| [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,711,052) | Free | Finance |
| [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,695,303) | Free | Finance |
| [Grow Credit](https://appshunter.io/ios/app/grow-credit/id1482246872) | 4.8 (10,117) | Free | Finance |

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*