How do debt settlement programs from companies like New Era Debt Solutions affect your credit score compared to an immediate bankruptcy filing?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do debt settlement programs from companies like New Era Debt Solutions affect your credit score compared to an immediate bankruptcy filing?
3 real searches · 1 real-search pass
CFPB debt settlement companies stop paying creditors credit score risks bankruptcy credit report 7 10 yearsGoogle ↗
OBSERVEDConsequence
FTC debt settlement risks credit score fees lawsuits tax consequencesGoogle ↗
OBSERVEDConsequence
Experian bankruptcy Chapter 7 Chapter 13 credit report 10 years 7 years debt settlement settled account credit reportGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB debt settlement companies stop paying creditors credit score risks bankruptcy credit report 7 10 years Google ↗
FTC debt settlement risks credit score fees lawsuits tax consequences Google ↗
Experian bankruptcy Chapter 7 Chapter 13 credit report 10 years 7 years debt settlement settled account credit report Google ↗
- What is a debt relief program and how do I know if I should use one? · consumerfinance.gov
- How To Get Out of Debt · consumer.ftc.gov
- When Does Bankruptcy Fall Off My Credit Report? · experian.com
- How long does information stay on my credit report? · consumerfinance.gov
- How Long Does Negative Info Stay on Credit Reports? · myfico.com
- What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB debt settlement companies stop paying creditors credit score risks bankruptcy credit report 7 10 years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FTC debt settlement risks credit score fees lawsuits tax consequences OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Experian bankruptcy Chapter 7 Chapter 13 credit report 10 years 7 years debt settlement settled account credit report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |