Real ChatGPT answer · index seed2NNywGyxH6ocompleteFinance and banking · personal loansinformational

What does a hard credit inquiry actually do to my score when I am shopping around for multiple personal loan rates?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What does a hard credit inquiry actually do to my score when I am shopping around for multiple personal loan rates?
2 real searches · 1 real-search pass
FICO personal loan rate shopping multiple hard inquiries grouped 14 45 days personal loansGoogle ↗
OBSERVED
CFPB hard inquiries credit score rate shopping personal loansGoogle ↗
OBSERVED

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.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
FICO personal loan rate shopping multiple hard inquiries grouped 14 45 days personal loans Google ↗
CFPB hard inquiries credit score rate shopping personal loans Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FICO personal loan rate shopping multiple hard inquiries grouped 14 45 days personal loans
OBSERVED
Google ↗
AI Mode ↗
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of 1
CFPB hard inquiries credit score rate shopping personal loans
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1