Real ChatGPT answer · index seed4VvgTuji9AscompleteFinance and banking · credit scores and repaircomparison
How does the credit score drop from missing a mortgage payment compare to missing a credit card payment for someone who has had perfect credit for forty years?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does the credit score drop from missing a mortgage payment compare to missing a credit card payment for someone who has had perfect credit for forty years?
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). 1 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
FICO how late payments affect credit score 30 day late mortgage credit card payment history severity recency Google ↗
CFPB mortgage payment 30 days late credit report grace period late payment credit score Google ↗
- How Credit Actions Impact FICO Scores · myfico.com
- How Long Does a Late Mortgage Payment Affect Your Credit? · experian.com
- WHAT CREDIT SCORE CHANGES CAN YOU EXPECT FROM TYPICAL CREDIT MANAGEMENT ACTIVITIES? (Cont.) · experian.com
- Does a Late Payment Affect Credit Score? myFICO · myfico.com
- When Do Late Payments Get Reported? · experian.com
- How long does information stay on my credit report? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO how late payments affect credit score 30 day late mortgage credit card payment history severity recency OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB mortgage payment 30 days late credit report grace period late payment credit score OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |