How do credit scoring models from FICO treat the simultaneous closure of ten credit cards prior to filing a voluntary Chapter 7 petition?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do credit scoring models from FICO treat the simultaneous closure of ten credit cards prior to filing a voluntary Chapter 7 petition?
3 real searches · 1 real-search pass
FICO official closing credit cards impact utilization closed accounts remain credit report ten years bankruptcy scoreGoogle ↗
OBSERVEDConsequence
FICO official bankruptcy Chapter 7 impact FICO score credit report seven ten yearsGoogle ↗
OBSERVEDConsequence
United States Bankruptcy Code 11 USC 548 90 days one year fraudulent transfer credit card payments closing accounts before bankruptcyGoogle ↗
OBSERVEDConsequence
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
FICO official closing credit cards impact utilization closed accounts remain credit report ten years bankruptcy score Google ↗
FICO official bankruptcy Chapter 7 impact FICO score credit report seven ten years Google ↗
United States Bankruptcy Code 11 USC 548 90 days one year fraudulent transfer credit card payments closing accounts before bankruptcy Google ↗
- Bankruptcy Types and Their Impact on FICO Scores · myfico.com
- How long will bankruptcy hurt my FICO score? · myfico.com
- How Long Does Negative Info Stay on Credit Reports? · myfico.com
- 11 U.S.C. § 548: Fraudulent transfers and obligations · uscode.house.gov
- How credit limit decreases can affect your score · myfico.com
- Does Closing a Credit Card Boost Your FICO Score? · myfico.com
- Understanding Accounts That May Affect Your Credit Utilization Ratio · myfico.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO official closing credit cards impact utilization closed accounts remain credit report ten years bankruptcy score OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FICO official bankruptcy Chapter 7 impact FICO score credit report seven ten years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
United States Bankruptcy Code 11 USC 548 90 days one year fraudulent transfer credit card payments closing accounts before bankruptcy OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |