Dovly AI
by Dovly
Free credit monitoring with AI powered disputes on the Premium plan.
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
Dovly's free plan includes a monthly TransUnion report and score, monitoring alerts and a manual dispute tool. Premium is billed at $99.99 a year and adds a weekly report, unlimited AI powered disputes with TransUnion, a $2,000 tradeline and a credit lock. The vendor states it is CROA compliant and publishes average score lifts with sample sizes, noting results vary. The AI disputes only cover TransUnion on the pages checked.
Our verdict
A good free starting point for credit health. Treat the vendor's score lift figures as averages, not promises.
Best for
People who want to monitor credit for free and dispute errors with AI help later.
Avoid if
You need all three bureaus covered by AI disputes.
Pros
- Real free tier with monitoring and a dispute tool
- Premium annual price is low
- Vendor publishes sample sizes behind its averages
Cons
- AI disputes are limited to TransUnion on the pages checked
- Score claims are averages and results vary
- Money features are a separate paid add on
Key capabilities
Frequently asked questions
Is Dovly free?
Yes, the Free plan is $0. Premium is $99.99 billed yearly.
Does Dovly guarantee a higher score?
No. The vendor says every case is different and not everyone will see the same results.
Which bureau does it use?
TransUnion reports, scores and disputes are shown on the pricing page.