Real ChatGPT answer · index seedFMjfjlbBGnUcompleteFinance and banking · credit scores and repaircomparison
Compare the score fluctuation caused by a hard inquiry from a new mortgage application versus opening a zero-percent balance transfer card.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare the score fluctuation caused by a hard inquiry from a new mortgage application versus opening a zero-percent balance transfer card.
1 real search · 1 real-search pass
FICO mortgage rate shopping inquiry window 14 45 days hard inquiry impact new credit card account average age utilization balance transferGoogle ↗
OBSERVEDConsequence
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
FICO mortgage rate shopping inquiry window 14 45 days hard inquiry impact new credit card account average age utilization balance transfer Google ↗
- How New Credit Impacts Your Credit Score · myfico.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- Minimize FICO Impact When Applying for New Credit · myfico.com
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- What happens when a mortgage lender checks my credit? · consumerfinance.gov