Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Dovly

dovly.com

Credit bureaus and credit scoringLending and credit

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
468 of 2,219
its rank by overall score
Place in its category
8th of 13 credit bureaus and scoring companies
Closing balance

Named in

8of 60 answers

by 4 of 4 assistants

Statement note

What this means for Dovly

AI assistants name Dovly in 13.3% of answers, more often than the typical company in its sector, which is named in 3.3%. Its overall score is 37 out of 100, placing it 468th of 2,219 companies and 20th of 93 in its sector. The website passes 5 of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Dovly by name. AI assistants named it in 8 of the 60 answers. Counting only how often it is named, it ranks 22nd of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Overall score
37Overall score
  • Visibility13
  • Citations5
  • Sentiment75
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
13.3%
8 of 60 answers
Share of mentions
12.9%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
20 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Dovly came up on 4 of 15 questions. Open any window to read that answer.

  1. 01How can AI tools help remove inaccurate items from your credit report?0/4
  2. 02How do free credit improvement apps help boost your FICO score?0/4
  3. 03Alternatives to using an AI credit app for disputing negative items on your report?0/4
  4. 04Why isn’t an automated credit dispute resolving items on my report?0/4
  5. 05Automated credit dispute tool versus working with a credit counselor—how do results compare?0/4
  6. 06Are there really effective free credit repair apps, or are paid versions better?1/4
  7. 07Are AI-powered credit repair apps worth using for building credit in the US?1/4
  8. 08What other tools can help you find hidden money and maximize your credit potential?0/4
  9. 09What are the best AI-powered credit monitoring apps for improving your credit score?4/4
  10. 10AI credit monitoring app vs. traditional credit repair service: which works faster?0/4
  11. 11What are some non-app ways to monitor and improve your credit score?0/4
  12. 12How do you address errors when an AI credit improvement app says your score hasn’t changed?0/4
  13. 13Do free credit monitoring platforms offer enough features to handle serious credit issues?0/4
  14. 14How much do AI-powered credit monitoring and improvement services cost each month?2/4
  15. 15What’s the best way to use a credit monitoring app to prepare for a mortgage application?0/4
Total namedOpenAI: 1/15Claude: 2/15Perplexity: 2/15Gemini: 3/15All assistants: 8/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“What are the best AI-powered credit monitoring apps for improving your credit score?”

The best AI-powered credit apps for improving a U.S. credit score are Dovly, Credit Sesame, Credit Karma, and GoodScore. For mortgage or auto-loan preparation, add myFICO, which is stronger for tracking the actual FICO scores lenders commonly use.

App · Best for · AI-driven features · Main limitation

Dovly · Automated credit improvement · Identifies potential report errors, helps automate disputes, monitors changes, and recommends score-building actions. · Automated disputes cannot fix accurate negative information; review ever …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Credit Karma
    9
  2. 02
    Experian Boost
    5
  3. 03
    Lexington Law
    2
  4. 04
    Credit Sesame
    1

Share of mentions

CompanyShare
  1. Experian Boost
    58.1%
  2. Credit Karma
    19.4%
  3. Dovly
    12.9%
  4. Credit Sesame
    4.8%
  5. Lexington Law
    3.2%
  6. Self (formerly Self Lender)
    1.6%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    firstcard.app
    18
  2. 02
    creditbooster.ai
    15
  3. 03
    consumerfinance.gov
    14
  4. 04
    dovly.com (its own website)
    12
  5. 05
    thecreditpeople.com
    11
  6. 06
    apps.apple.com
    9
  7. 07
    arrofinance.com
    9
  8. 08
    experian.com
    7
  9. 09
    aura.com
    6
  10. 10
    sourceforge.net
    6

Dovly is in the study as a credit bureau or scoring company.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
3/15
Claude
2/15
Perplexity
2/15
OpenAI
1/15
Market comparisonSection 06

How Dovly compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
13

How often AI assistants name the company, and how that compares with its peers

Citations
5

How often AI uses the company's own website as a source

Sentiment
75

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
36

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
37
Ranks 20 of 93. Typical company: 31
Named in answers
13.3%
Ranks 22 of 93. Typical company: 3.3%
AI readiness
36
Ranks 9 of 93. Typical company: 29
Against its categorySection 08

Compared with credit bureaus and scoring companies

13 companies in this category. The gold tick on each bar is the typical company.

Overall score
37
Ranks 7 of 13. Typical company: 37
Named in answers
13.3%
Ranks 8 of 13. Typical company: 16.7%
AI readiness
36
Ranks 1 of 13. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Dovly publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
100 of 100
  • Markdown negotiationPassed

    Requests sent with Accept: text/markdown receive a markdown version of the page.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 47 of 100 · 97% of checks could run · checked on October 9, 2026 · www.dovly.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

5 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • PassedMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 37 of 100 badge for Dovly

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/dovly.com"><img src="https://aeo-audit.rezolve.com/finance/badges/dovly.com.svg" alt="Overall score 37 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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