How does closing my oldest credit card account affect my overall credit utilization ratio, and will it significantly drop my score since I have two kids and need stable credit?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does closing my oldest credit card account affect my overall credit utilization ratio, and will it significantly drop my score since I have two kids and need stable credit?
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 oldest credit card account utilization ratio credit history closed account official guidance Google ↗
Experian does closing a credit card hurt credit utilization closed account remains on credit report 10 years Google ↗
- Does it hurt my credit to close a credit card? · consumerfinance.gov
- Closed Accounts Will Remain in Your Credit History for up to 10 Years · experian.com
- What Does "Closed Account" Mean on Your Credit Report? · experian.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO closing oldest credit card account utilization ratio credit history closed account official guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Experian does closing a credit card hurt credit utilization closed account remains on credit report 10 years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |