How do credit scoring algorithms weigh derogatory public records like Chapter Thirteen filings against defaulted commercial loans over a seven year period?
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The searches the AI actually ran for this prompt.
SEED QUERY
How do credit scoring algorithms weigh derogatory public records like Chapter Thirteen filings against defaulted commercial loans over a seven year period?
3 real searches · 1 real-search pass
FCRA bankruptcy Chapter 13 seven years date of filing consumer report 15 USC 1681c officialGoogle ↗
OBSERVED
CFPB credit report bankruptcy seven years Chapter 13 debt collection original delinquency seven yearsGoogle ↗
OBSERVED
FICO bankruptcy public record impact credit score payment history recency derogatory itemsGoogle ↗
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
FCRA bankruptcy Chapter 13 seven years date of filing consumer report 15 USC 1681c official Google ↗
CFPB credit report bankruptcy seven years Chapter 13 debt collection original delinquency seven years Google ↗
FICO bankruptcy public record impact credit score payment history recency derogatory items Google ↗
- 15 U.S.C. § 1681c: Requirements relating to information contained in consumer reports · uscode.house.gov
- How long does a bankruptcy appear on credit reports? · consumerfinance.gov
- What is on a Credit Report? · myfico.com
- Ask FICO: Are All Negative Items Equally Bad? · myfico.com
- How Payment History Impacts Your Credit Score · myfico.com
- What's Not Included in Your Credit Score?| myFICO · myfico.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FCRA bankruptcy Chapter 13 seven years date of filing consumer report 15 USC 1681c official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB credit report bankruptcy seven years Chapter 13 debt collection original delinquency seven years OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO bankruptcy public record impact credit score payment history recency derogatory items OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |