I am looking at prequalification offers from three different banks for a home repair loan, but how do I check if doing a soft credit pull will accidentally turn into a hard inquiry?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I am looking at prequalification offers from three different banks for a home repair loan, but how do I check if doing a soft credit pull will accidentally turn into a hard inquiry?
1 real search · 1 real-search pass
CFPB soft inquiry hard inquiry prequalification lender permission credit report inquiryGoogle ↗
OBSERVEDReason
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
CFPB soft inquiry hard inquiry prequalification lender permission credit report inquiry Google ↗
- AnnualCreditReport.com · annualcreditreport.com
- What is a credit inquiry? · consumerfinance.gov
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- What happens when a mortgage lender checks my credit? · consumerfinance.gov