Real ChatGPT answer · index seedGx4KOqcwsYgcompleteFinance and banking · credit scores and repairhowto
What is the exact formula FICO uses to calculate the penalty for having too many revolving accounts with balances and how does it affect someone recovering from severe delinquencies.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact formula FICO uses to calculate the penalty for having too many revolving accounts with balances and how does it affect someone recovering from severe delinquencies.
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 official amounts owed number of accounts with balances revolving accounts exact formula proprietary scoring factors Google ↗
FICO score recovery severe delinquency revolving accounts balances number of accounts with balances utilization official Google ↗
- How Owing Money Can Impact Your Credit Score · myfico.com
- Understanding FICO Scores · myfico.com
- How do revolving accounts impact my FICO Score? · myfico.com
- What's in your credit score? · myfico.com
- Understanding · myfico.com
- Understanding Accounts That May Affect Your Credit Utilization Ratio · myfico.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO official amounts owed number of accounts with balances revolving accounts exact formula proprietary scoring factors OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO score recovery severe delinquency revolving accounts balances number of accounts with balances utilization official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |