Why did my credit score drop five points when I applied for a store credit card even though the cashier said I was pre-approved
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my credit score drop five points when I applied for a store credit card even though the cashier said I was pre-approved
1 real search · 1 real-search pass
FICO hard inquiry impact typically few points preapproved soft inquiry hard inquiry official explanationGoogle ↗
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 hard inquiry impact typically few points preapproved soft inquiry hard inquiry official explanation Google ↗
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- What is a credit inquiry? · consumerfinance.gov
- AnnualCreditReport.com · annualcreditreport.com