Real ChatGPT answer · index seed9ASaL6vzJeYcompleteFinance and banking · credit scores and repairinformational
Are websites like Credit Karma showing my actual FICO score or some other score that lenders do not even use
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are websites like Credit Karma showing my actual FICO score or some other score that lenders do not even use
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). 1 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
Credit Karma scores VantageScore 3.0 not FICO official explanation FICO lenders use different scores Google ↗
FICO score versions lenders use mortgage auto credit card official myFICO CFPB Google ↗
- Credit Score FAQs: Your Questions Answered · creditkarma.com
- Learn About FICO Score Versions and Their Uses · myfico.com
- Does my credit score affect my ability to get a mortgage loan or the mortgage rate I pay? · consumerfinance.gov
- FICO Score Types: Why Multiple Versions Matter for You · myfico.com
- Check Experian · experian.com
- Visit myFICO · myfico.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Credit Karma scores VantageScore 3.0 not FICO official explanation FICO lenders use different scores OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FICO score versions lenders use mortgage auto credit card official myFICO CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |