Real ChatGPT answer · index seedG2BjsyuAzlgcompleteFinance and banking · credit scores and repaircommercial
Can old utility collections that were eventually paid off still drag down my FICO score when lenders pull our report for a new family vehicle?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can old utility collections that were eventually paid off still drag down my FICO score when lenders pull our report for a new family vehicle?
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
FICO paid collections utility accounts FICO 8 FICO 9 FICO 10T seven years original delinquency date Google ↗
CFPB paid collection credit report seven years date of first delinquency dispute inaccurate collection Google ↗
- How Do Collections Affect Your Credit? · myfico.com
- How Long Before My Collection Account Is Updated? · experian.com
- How Long Do Collections Stay on Your Credit Report? · experian.com
- AnnualCreditReport.com · annualcreditreport.com
- How long does information stay on my credit report? · consumerfinance.gov
- Is it possible to remove accurate but negative information from my credit report? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO paid collections utility accounts FICO 8 FICO 9 FICO 10T seven years original delinquency date OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB paid collection credit report seven years date of first delinquency dispute inaccurate collection OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |