Real ChatGPT answer · index seed7EbZ9CodCckcompleteFinance and banking · credit scores and repairinformational
How long do traditional commercial collection accounts legally stay on a small business credit report according to current federal regulations?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do traditional commercial collection accounts legally stay on a small business credit report according to current federal regulations?
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
FCRA seven year obsolescence rule business credit reports commercial accounts collections business credit report federal law Google ↗
15 USC 1681c obsolescence accounts placed for collection business credit reports consumer report definition business purpose Google ↗
- 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law · law.cornell.edu
- U.S.C. Title 15 · govinfo.gov
- 15 U.S.C. § 1681c: Requirements relating to information contained in consumer reports · uscode.house.gov
- 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 |
|---|---|---|---|---|---|---|---|
FCRA seven year obsolescence rule business credit reports commercial accounts collections business credit report federal law OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
15 USC 1681c obsolescence accounts placed for collection business credit reports consumer report definition business purpose OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |