# Build Credit & Money: Dovly AI — Boost and fix your credit fast

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

- Source: https://appshunter.io/ios/app/build-credit-and-money-dovly-ai/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 78,855 App Store ratings · 599 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 69 MB
- Languages: American English
- Released: 2022-04-28
- Data updated: 2026-08-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/build-credit-and-money-dovly-ai/id1584248673/reviews.md

## What is Build Credit & Money?

Build credit. Fix your credit. Find your money. Dovly AI does the heavy lifting on all three — one AI in your corner, working around the clock: boosting scores an average of 93 points for Premium members*, finding money hiding in plain sight, and mapping your next move. 1,000,000+ downloads and counting.


YOUR CREDIT, HANDLED
AI-powered disputes with TransUnion®, your TransUnion credit score and report, credit building products, and credit lock fraud protection — all in one place. 22,000,000 points increased in total**. Free to start. No credit card required.


YOUR MONEY, WORKING FOR YOU
Dovly AI reads what's coming in and what's going out, then finds what you're missing: forgotten subscriptions, fees you never agreed to, savings sleeping on the job. Every find comes with the next move, in plain english. No spreadsheets, no jargon, no lectures, and your money never moves without you.


LIFE GOALS, MADE EASY
Get approved for the credit card. Drive off with the car. Get the keys to the home. Better credit and found money open doors — Dovly AI puts both to work, so the milestones show up sooner than you'd expect.


ONE APP, NOT THREE
Stop juggling Credit Karma for your score, Kikoff for credit building, and Monarch for your budget. Your credit and your money, working together in one place.


You were never bad with money. Nobody handed you the manual.


* 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 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

- #158 in Top Free · Finance (US App Store)
- #6 in Top Grossing · Finance (US App Store)

## What do users think of Build Credit & Money?

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 599)

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

### 5/5 — Excellent

*2026-08-30, version 9.3.0*

Fatty boost to my cred

### 5/5 — I needed help

*2026-08-30, version 9.3.0*

I admit, I’m terrible with billing and on time payments but dovy is helping me rebuild.. I can see a light at the end of the tunnel. It may take a little while, but I’ll get there eventually.

### 5/5 — First time

*2026-08-29, version 9.3.0*

Unbelievable the easiest thing I’ve ever done. Thanks dovly

### 5/5 — Rising credit

*2026-08-24, version 9.3.0*

I love your app

### 5/5 — Works

*2026-08-24, version 9.3.0*

❤️❤️

### 5/5 — Credit

*2026-08-24, version 9.3.0*

Helped me understand the credit journey

### 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 🤷‍♂️😂

## Frequently asked questions about Build Credit & Money

### 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)

### 10.0.0 — 2026-08-31

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

### 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!

## Apps similar to Build Credit & Money

| 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 (7,717,227) | 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 2026-08-31.*