Real ChatGPT answer · index seedMZYTHVytnRQcompleteFinance and banking · credit scores and repairinformational
Why do credit scoring models penalize you for paying off certain types of debt, and how does the credit mix factor into this?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why do credit scoring models penalize you for paying off certain types of debt, and how does the credit mix factor into this?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
FICO credit mix 10 percent paid off installment loan credit score impact official Google ↗
Experian paying off installment loan credit score credit mix closed account remains on credit report Google ↗
- Types of Credit and How They Affect Your FICO Score · myfico.com
- What's in your credit score? · myfico.com
- Credit Mix—10% of a FICO® Score. · myfico.com
- Why Did My FICO Score Drop After Paying Off a Loan? · myfico.com
- Can Paying Off Loans Lower Your FICO Score? · myfico.com
- How long does information stay on my credit report? · consumerfinance.gov
- How Long Do Closed Accounts Stay on My Credit Report? · transunion.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO credit mix 10 percent paid off installment loan credit score impact official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Experian paying off installment loan credit score credit mix closed account remains on credit report OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |