How does consolidating 25000 dollars of high-interest revolving credit card debt into a single LendingClub fixed-rate loan impact my credit utilization ratio over time?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does consolidating 25000 dollars of high-interest revolving credit card debt into a single LendingClub fixed-rate loan impact my credit utilization ratio over time?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
FICO credit utilization revolving balances paid off personal loan debt consolidation effect credit score installment loan utilization Google ↗
LendingClub debt consolidation loan credit card payoff how reported credit bureaus official Google ↗
- How do revolving accounts impact my FICO Score? · myfico.com
- How a Debt Consolidation Loan Impacts Your FICO® Scores · myfico.com
- How Does a Personal Loan Affect Credit Score? · transunion.com
- How Do I Manage My Account? · lendingclub.com
- How long does information stay on my credit report? · consumerfinance.gov
- Can Paying Off Loans Lower Your FICO Score? · myfico.com
- How Credit Actions Impact FICO Scores · myfico.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO credit utilization revolving balances paid off personal loan debt consolidation effect credit score installment loan utilization OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
LendingClub debt consolidation loan credit card payoff how reported credit bureaus official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |