Real ChatGPT answer · index seedIoy0aecjsDMcompleteFinance and banking · checking and savings accountscomparison

How does the hard versus soft credit pull policy work when applying for a business line of credit alongside a checking account at Wells Fargo?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does the hard versus soft credit pull policy work when applying for a business line of credit alongside a checking account at Wells Fargo?
2 real searches · 1 real-search pass
Wells Fargo business line of credit credit inquiry hard pull checking account application soft pull policyGoogle ↗
OBSERVEDReason
Wells Fargo business checking account credit check hard inquiry business line of credit application personal guaranteeGoogle ↗
OBSERVEDReason

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)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

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

ChatGPT2 real searches · gpt-6
Wells Fargo business line of credit credit inquiry hard pull checking account application soft pull policy Google ↗
Wells Fargo business checking account credit check hard inquiry business line of credit application personal guarantee Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Wells Fargo business line of credit credit inquiry hard pull checking account application soft pull policy
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
Wells Fargo business checking account credit check hard inquiry business line of credit application personal guarantee
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1