
Dovly is an AI-powered credit engine designed to help individuals build, fix, and protect their credit scores. The platform offers a free service that analyzes credit reports, provides personalized action plans, and offers tools to improve credit. Key features include credit score and report access, credit improvement, credit building with a tradeline, and credit protection with ID theft insurance. Dovly's AI engine works to identify and dispute errors, aiming to boost credit scores by an average of 82 points for premium users and 34 points for free users. The company also offers a premium subscription for more advanced features and support, including weekly credit reports, unlimited AI disputes, and enhanced monitoring. Dovly aims to make financial success accessible by simplifying the credit improvement process.

Dovly is an AI-powered credit engine designed to help individuals build, fix, and protect their credit scores. The platform offers a free service that analyzes credit reports, provides personalized action plans, and offers tools to improve credit. Key features include credit score and report access, credit improvement, credit building with a tradeline, and credit protection with ID theft insurance. Dovly's AI engine works to identify and dispute errors, aiming to boost credit scores by an average of 82 points for premium users and 34 points for free users. The company also offers a premium subscription for more advanced features and support, including weekly credit reports, unlimited AI disputes, and enhanced monitoring. Dovly aims to make financial success accessible by simplifying the credit improvement process.
What they do: AI-powered credit platform for building, repairing, and protecting consumer credit
Business model: Free core product plus paid Premium subscription
Founders / leadership: Co-founders Nirit Rubenstein (CEO) and Tedis Baboumian (Co-Founder & Chief Credit Officer)
Employees: 21
Funding (reported): Total disclosed ≈ $5,850,000; last disclosed round Jul 18, 2021
Consumer credit improvement, credit repair, credit building, and identity/credit protection
Fintech / Consumer credit
Seed round announced Jul 18, 2021; multiple investors reported including NFX, Fawkes Ventures, Croghan Investments, and 1984 Ventures
“Investors include NFX, Fawkes Ventures, Croghan Investments, and 1984 Ventures”
About Dovly AI
Dovly AI is shaking up the credit game with the first all-in-one AI credit engine that builds, fixes, and protects credit—empowering all Americans to boom financially, 100% free. Our mission is to tear down the walls to financial freedom.Since launching in 2018, Dovly AI has helped more than 1,000,000 people increase their credit scores by an average of 82 points1, with many surpassing 100 points—unlocking access to life-changing financial opportunities.
Headquartered in Phoenix, Arizona, Dovly AI is one of the fastest-growing SaaS companies in the state, with a global team and trusted fintech partners including Visa, Chime, MoneyLion, and Self.
We’re looking for a high-impact Data Scientist to unlock deeper customer insights, drive smarter marketing decisions, and build models that boost user engagement and monetization. This is a hands-on, business-critical role — ideal for someone who thrives at the intersection of growth, product, and analytics.
This is a pivotal hire. You’ll be the engine behind smarter decision-making across our most important channels. You’ll shape how we acquire, retain, and grow our customer base — and your work will directly impact revenue, margins, and user happiness.
This Role will work on a Hybrid schedule - Monday, Wednesday, Friday from our HQ in Phoenix!
You Bring:
Equal Opportunity
Dovly is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.