Real ChatGPT answer · index seedAJx0SwQP5P4completeFinance and banking · personal loansinformational
How do online lenders define a soft credit pull versus a hard credit check when I am comparing rates today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do online lenders define a soft credit pull versus a hard credit check when I am comparing rates today?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB soft inquiry hard inquiry credit score rate shopping loan inquiries official guidance 2026 Google ↗
FICO rate shopping window hard inquiries auto mortgage student loans official Google ↗
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- How Does Rate Shopping Affect Your Credit Scores? · experian.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB soft inquiry hard inquiry credit score rate shopping loan inquiries official guidance 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO rate shopping window hard inquiries auto mortgage student loans official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |