How does a soft credit pull versus a hard credit inquiry affect my credit score when shopping around for mortgage pre-approval letters?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does a soft credit pull versus a hard credit inquiry affect my credit score when shopping around for mortgage pre-approval letters?
1 real search · 1 real-search pass
FICO mortgage rate shopping inquiry window 45 days hard inquiries official guidance CFPB mortgage preapproval soft hard inquiryGoogle ↗
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 1 queries…
Searches and sources
ChatGPT1 real searches · gpt-6
FICO mortgage rate shopping inquiry window 45 days hard inquiries official guidance CFPB mortgage preapproval soft hard inquiry Google ↗
- What happens when a mortgage lender checks my credit? · consumerfinance.gov
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- Request and review multiple Loan Estimates · consumerfinance.gov
- Get a preapproval letter · consumerfinance.gov