What is the difference between a hard credit pull and a soft credit pull when I am just shopping around for mortgage rates online?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the difference between a hard credit pull and a soft credit pull when I am just shopping around for mortgage rates online?
1 real search · 1 real-search pass
CFPB mortgage shopping credit inquiries hard inquiry rate shopping 45 days soft pull mortgage prequalificationGoogle ↗
OBSERVEDComparison
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
CFPB mortgage shopping credit inquiries hard inquiry rate shopping 45 days soft pull mortgage prequalification Google ↗
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- What happens when a mortgage lender checks my credit? · consumerfinance.gov
- How Does Rate Shopping Affect Your Credit Scores? · experian.com