Real ChatGPT answer · index seed8Efef0pIOP0completeFinance and banking · credit scores and repaircommercial

why did my credit score go down after I closed an old credit card that I never used and had no balance on

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
why did my credit score go down after I closed an old credit card that I never used and had no balance on
1 real search · 1 real-search pass
FICO closing credit card account utilization closed account age credit history official explanationGoogle ↗
OBSERVEDReason

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 (1)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model).

Searches and sources

ChatGPT1 real searches · gpt-6
FICO closing credit card account utilization closed account age credit history official explanation Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FICO closing credit card account utilization closed account age credit history official explanation
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1