Real ChatGPT answer · index seedNH1C0bPR2AscompleteFinance and banking · credit scores and repaircommercial
How does the timing of my credit card statement closing date versus the payment due date impact my reported utilization when applying for a mortgage
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does the timing of my credit card statement closing date versus the payment due date impact my reported utilization when applying for a mortgage
1 real search · 1 real-search pass
credit card statement closing date balance reported credit bureaus utilization mortgage credit score Fannie Mae mortgage credit reporting utilization guidanceGoogle ↗
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
credit card statement closing date balance reported credit bureaus utilization mortgage credit score Fannie Mae mortgage credit reporting utilization guidance Google ↗
- Myth Busting– You Don't Need to Carry Credit Card Balances to Improve Your FICO Scores · myfico.com
- Understanding Accounts That May Affect Your Credit Utilization Ratio · myfico.com
- Your Credit Journey Starts Here · yourhome.fanniemae.com
- Credit Utilization · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
Queries
1 queries · click a column to sort