Hey - it’s Jeffrey, back again this week!
Your credit score affects everything, from the credit cards you qualify for to mortgage rates and even job applications in some industries. It can also feel confusing, slow to change, and hard to improve.
But it doesn’t have to be.
This week, I tested a few AI-powered tools to see how well they can help you understand and improve your credit, without getting lost in the fine print.
📬 In this issue:
🤖 CreditKarma’s Intuit Assist – free, built-in tips from your credit data
🧠 ChatGPT + your credit report – deep, personalized insights
💳 Dovly – AI-powered credit dispute tool
🛠️ Bonus tools worth a look
🔁 What to do next (in plain English)
THIS WEEK’S FINDS
🔧 Option 1: CreditKarma’s Intuit Assist
Best for: Free personalized advice based on your actual credit report
CreditKarma (CK) has been around since 2007, and now under Intuit, it boasts over 140M users. Their Intuit Assist AI tool is built right into the CK mobile app and gives credit-related suggestions via chatbot-style prompts.
I tested the “Tips to improve my credit score” option. Even though CK lists my score at 806 (humblebrag 😅), it still offered a few solid, actionable suggestions like lowering utilization and keeping old accounts open.
It also suggested tools for comparing cards, budgeting, and planning. It provided solid, if somewhat basic, advice. I’d happily try it again if I needed to raise my score.
📱 Available via the iOS app or Android app
⭐ 4.8 rating (7.2M reviews) on Apple | ⭐ 4.3 rating (3M reviews) on Google Play
🧠 Option 2: ChatGPT + credit report download
Best for: DIYers who don’t want to sign up for another service
Next up, the free option: ask ChatGPT. Here’s what I did:
Downloaded my TransUnion report from AnnualCreditReport.com
Uploaded it into ChatGPT
Asked: “If I upload my credit report, can you help me with how to improve my credit score?” And here’s what it did:
💡 Highlights:
Suggested pre-statement payments to lower utilization reporting
Recommended rotating usage + asking for credit limit increases
Advice felt much more personalized than CK or most apps
ChatGPT felt the most tailored and interactive, especially since I could keep asking follow-up questions. If you’re comfortable uploading sensitive documents (blur/redact anything first!), this is a powerful tool.
💳 Option 3: Dovly app
Best for: Submitting disputes to credit bureaus — with AI guidance
Dovly focuses on helping users file AI-powered credit disputes. Their free version includes limited disputes, while the premium version ($99/year) offers unlimited disputes across all three bureaus.
If you have errors on your credit report (which 1 in 5 people do), Dovly walks you through the process and drafts responses for you. They advertise an “82-point credit score boost" based on the average from 30,746 Dovly Premium AI members.
Of course, you can submit credit disputes on your own, but Dovly arguably makes that easier.
Here’s how the interface looks in the dispute section:
I didn’t get to test this tool fully, as I didn’t find anything to dispute, so I can’t speak to how well it works or whether my credit score would improve.
Dovly also offers an AI tool similar to CreditKarma’s. The advice was pretty good—simple, short, and easy to understand. Since Dovly AI is still in beta, it’s likely to improve over time.
📱 Available on iOS + Android
⭐ 4.9 (24K reviews) on Apple | ⭐ 4.7 (28K reviews) on Google
MORE TOOLS
🛠️ Other Tools to Check Out
Didn’t go deep on these, but they caught my eye this week:
Capital One CreditWise – Alerts + simulators
CreditCaptain – Personalized recommendations and scores
Ava – AI assistant for credit guidance
Self – Credit builder account + reporting
What to Do Now
🔍 Get your credit report – Head to AnnualCreditReport.com and grab your free report.
🧠 Ask ChatGPT to analyze it – Use the PDF upload feature and ask where you can improve.
💳 Try CreditKarma or Dovly – If you’re looking for actionable tips or need to file disputes.
❌ Avoid credit “fixers” with big promises – You don’t need to pay $1,000 for stuff you can do with the tools above.
How did you like today's newsletter?
PS—I’d love to hear your other feedback or suggestions. Just hit reply — I read every email!
One quick note: This newsletter is for educational purposes only and does not constitute financial advice. I’m not a financial advisor — just someone sharing ideas and tools I’ve found useful. Use what works for you, skip what doesn’t, and always do your own research before making financial decisions and using the tools shared in this newsletter.