How does requesting a credit limit increase affect my credit score when I am trying to lower our overall household credit utilization ratio?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does requesting a credit limit increase affect my credit score when I am trying to lower our overall household credit utilization ratio?
1 real search · 1 real-search pass
FICO credit utilization individual credit reports authorized user household credit utilization credit limit increase hard inquiry soft inquiry issuerGoogle ↗
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
FICO credit utilization individual credit reports authorized user household credit utilization credit limit increase hard inquiry soft inquiry issuer Google ↗
- How Authorized Users Affect FICO Scores| myFICO · myfico.com
- Understanding Accounts That May Affect Your Credit Utilization Ratio · myfico.com
- Will Being an Authorized User Help My Credit? · experian.com
- Does Getting Declined for a Credit Limit Increase Affect Your Credit? · experian.com
- Does Requesting a Credit Limit Increase Hurt Your Credit Score? · experian.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com