I need a breakdown of whether closing a credit card with a zero balance hurts my average age of accounts enough to matter for a future mortgage.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need a breakdown of whether closing a credit card with a zero balance hurts my average age of accounts enough to matter for a future mortgage.
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
FICO closing credit card account average age closed accounts remain on credit report 10 years utilization mortgage Google ↗
CFPB closing credit card impact credit score utilization mortgage credit report closed account Google ↗
- Does it hurt my credit to close a credit card? · consumerfinance.gov
- Does Closing a Credit Card Boost Your FICO Score? · myfico.com
- How to Decide Whether It's Time to Close a Credit Card · myfico.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO closing credit card account average age closed accounts remain on credit report 10 years utilization mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB closing credit card impact credit score utilization mortgage credit report closed account OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |