Real ChatGPT answer · index seed5oIzrZCuQykcompleteFinance and banking · credit scores and repaircomparison
Can you compare how a Chapter 13 bankruptcy affects my credit score versus letting old accounts go to charge off status
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you compare how a Chapter 13 bankruptcy affects my credit score versus letting old accounts go to charge off status
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). 2 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
Chapter 13 bankruptcy credit report seven years charge off seven years 180 days original delinquency FCRA official CFPB FTC Google ↗
New York statute of limitations credit card debt six years debt collection official Google ↗
- How long does a bankruptcy appear on credit reports? · consumerfinance.gov
- Credit Report and Court Records | Central District of California · cacb.uscourts.gov
- 15 U.S.C. § 1681c: Requirements relating to information contained in consumer reports · uscode.house.gov
- CONSUMER FINANCIAL PROTECTION BUREAU · files-prod.consumerfinance.gov
- Statute of Limitations Timetable · nycourts.gov
- Common Defenses in a Debt Collection Case · nycourts.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Chapter 13 bankruptcy credit report seven years charge off seven years 180 days original delinquency FCRA official CFPB FTC OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
New York statute of limitations credit card debt six years debt collection official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |