Real ChatGPT answer · index seed0z7LuzBRsdscompleteFinance and banking · credit scores and repairinformational
Is it better to keep an old charged off credit card on my report as history or try to get it deleted to improve my score
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to keep an old charged off credit card on my report as history or try to get it deleted to improve my score
1 real search · 1 real-search pass
FICO charge off account credit score impact removal credit report seven years date of first delinquency CFPBGoogle ↗
OBSERVEDConsequence
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
FICO charge off account credit score impact removal credit report seven years date of first delinquency CFPB Google ↗
- Is it possible to remove accurate but negative information from my credit report? · consumerfinance.gov
- How long does information stay on my credit report? · consumerfinance.gov