Real ChatGPT answer · index seed9LfRkrxy5qIcompleteFinance and banking · credit scores and repairinformational
What is the exact difference between a hard inquiry and a soft inquiry when I am shopping around for my first post grad auto loan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact difference between a hard inquiry and a soft inquiry when I am shopping around for my first post grad auto loan?
4 real searches · 1 real-search pass
CFPB hard inquiry soft inquiry auto loan rate shopping credit score inquiry windowGoogle ↗
OBSERVED
FICO rate shopping auto loan inquiries 14 45 days hard inquiry soft inquiryGoogle ↗
OBSERVED
CFPB auto loan shopping rate shopping multiple credit inquiries 14 45 days hard inquiry soft inquiryGoogle ↗
OBSERVED
FICO rate shopping auto loan inquiry window 14 45 days hard inquiriesGoogle ↗
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 4 queries…
Searches and sources
ChatGPT4 real searches · gpt-6
CFPB hard inquiry soft inquiry auto loan rate shopping credit score inquiry window Google ↗
FICO rate shopping auto loan inquiries 14 45 days hard inquiry soft inquiry Google ↗
CFPB auto loan shopping rate shopping multiple credit inquiries 14 45 days hard inquiry soft inquiry Google ↗
FICO rate shopping auto loan inquiry window 14 45 days hard inquiries Google ↗
- What is a credit inquiry? · consumerfinance.gov
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- How will shopping for an auto loan affect my credit? · consumerfinance.gov
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- How Does Rate Shopping Affect Your Credit Scores? · experian.com
- Take control of your auto loan: A step-by-step Guide · files.consumerfinance.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB hard inquiry soft inquiry auto loan rate shopping credit score inquiry window OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO rate shopping auto loan inquiries 14 45 days hard inquiry soft inquiry OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB auto loan shopping rate shopping multiple credit inquiries 14 45 days hard inquiry soft inquiry OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO rate shopping auto loan inquiry window 14 45 days hard inquiries OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |