Real ChatGPT answer · index seedEEw8FNgYOnwcompleteFinance and banking · credit scores and repairinformational
Why do credit monitoring services keep sending me alerts about hard inquiries when I have not applied for a new credit card or loan in over five years?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why do credit monitoring services keep sending me alerts about hard inquiries when I have not applied for a new credit card or loan in over five years?
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). 2 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
CFPB hard inquiry credit report permissible purpose unauthorized inquiry dispute credit freeze Google ↗
FTC identity theft hard inquiry credit report unauthorized applications freeze credit reports Google ↗
- AnnualCreditReport.com · annualcreditreport.com
- Consumer Financial Protection Bureau · consumerfinance.gov
- Equifax · equifax.com
- Experian · experian.com
- TransUnion · transunion.com
- What is a credit freeze or security freeze on my credit report? · consumerfinance.gov
- Freezing? Maybe freeze your credit, too · consumer.ftc.gov
- What is a credit inquiry? · consumerfinance.gov
- What To Know About Identity Theft · consumer.ftc.gov
- Who can request to see my credit report? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB hard inquiry credit report permissible purpose unauthorized inquiry dispute credit freeze OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FTC identity theft hard inquiry credit report unauthorized applications freeze credit reports OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |