Real ChatGPT answer · index seed2wvGm1v0be8completeFinance and banking · credit scores and repaircomparison
Lexington Law or Credit Karma for dealing with old medical debt that is hurting our household credit utilization?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Lexington Law or Credit Karma for dealing with old medical debt that is hurting our household credit utilization?
3 real searches · 1 real-search pass
2026 medical debt credit report rules paid medical collections under $500 one year credit bureaus officialGoogle ↗
OBSERVEDReason
Lexington Law current status credit repair lawsuit settlement 2025 2026Google ↗
OBSERVEDConsequence
Credit Karma dispute credit report medical collections free officialGoogle ↗
OBSERVEDOther / navigational
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 (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 medical debt credit report rules paid medical collections under $500 one year credit bureaus official Google ↗
Lexington Law current status credit repair lawsuit settlement 2025 2026 Google ↗
Credit Karma dispute credit report medical collections free official Google ↗
- CFPB v. Lexington Law and CreditRepair.com · consumerfinance.gov
- Progrexion Marketing, Inc.; PGX Holdings, Inc.; Progrexion Teleservices, Inc.; eFolks, LLC; CreditRepair.com, Inc.; John C. Heath, Attorney at Law, PLLC, d/b/a/ Lexington Law · cfpb.website
- AnnualCreditReport.com · annualcreditreport.com
- How to Read Your Credit Report · transunion.com
- How Long Do Collections Stay on Your Credit Report? · transunion.com
- medical debt guidance · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 medical debt credit report rules paid medical collections under $500 one year credit bureaus official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Lexington Law current status credit repair lawsuit settlement 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Credit Karma dispute credit report medical collections free official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |