Real ChatGPT answer · index seed1iIkWIyKhFUcompleteFinance and banking · credit scores and repairbrand
My sister wants me to co-sign her car loan because her rate is insane, but how badly will it ruin my debt-to-income ratio if she misses a payment?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My sister wants me to co-sign her car loan because her rate is insane, but how badly will it ruin my debt-to-income ratio if she misses a payment?
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
CFPB cosigning auto loan responsible payments credit report debt to income co-signer Google ↗
Fannie Mae co-signed debt excluded debt-to-income borrower payments 12 months documentation Google ↗
- Why would I need a co-signer for an auto loan? · consumerfinance.gov
- Should I agree to co-sign someone else’s car loan? · consumerfinance.gov
- Cosigning a Loan FAQs · consumer.ftc.gov
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Monthly Debt Obligations · guide-selling.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB cosigning auto loan responsible payments credit report debt to income co-signer OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae co-signed debt excluded debt-to-income borrower payments 12 months documentation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |