Real ChatGPT answer · index seedH83GiNNtDNccompleteFinance and banking · personal loansinformational
What factors do banks like Wells Fargo look at besides just my credit score when I apply for a personal loan for the first time
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The searches the AI actually ran for this prompt.
SEED QUERY
What factors do banks like Wells Fargo look at besides just my credit score when I apply for a personal loan for the first time
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
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Wells Fargo personal loan application factors income debt-to-income employment credit history official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB personal loan lenders ability to repay debt-to-income credit report factors OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |