Real ChatGPT answer · index seedLiW1lmqTRw8completeFinance and banking · credit scores and repairinformational
How do utility bills and phone payments factor into credit scoring models now that services like Experian Boost are widely available for families?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do utility bills and phone payments factor into credit scoring models now that services like Experian Boost are widely available for families?
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
ChatGPT2 real searches · gpt-6
Experian Boost eligible bills utility phone payments how it works scores lenders FICO VantageScore 2026 Google ↗
FICO utility telecom rent payment data credit scoring models alternative data positive payment history official Google ↗
- Credit Scores · fhfa.gov
- AUTHENTICATED · congress.gov
- Experian Boost® Disclosure · experian.com
- What Is Experian Boost? · experian.com
- Does my history of paying utility bills, like telephone, cable, electricity, or water, go in my credit report? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Experian Boost eligible bills utility phone payments how it works scores lenders FICO VantageScore 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FICO utility telecom rent payment data credit scoring models alternative data positive payment history official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |