Will refinancing my high interest auto loan after only six months of payments hurt my credit score significantly right now
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Will refinancing my high interest auto loan after only six months of payments hurt my credit score significantly right now
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
FICO auto loan refinancing hard inquiries rate shopping window credit score official Google ↗
Experian refinancing car loan credit score hard inquiry new account paid off loan Google ↗
- Should I Refinance My Car? · experian.com
- Does Refinancing an Auto Loan Affect My Score? · myfico.com
- How will shopping for an auto loan affect my credit? · consumerfinance.gov
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO auto loan refinancing hard inquiries rate shopping window credit score official OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 | |
Experian refinancing car loan credit score hard inquiry new account paid off loan OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |