Does getting a mortgage pre-approval letter from a large online lender like Guaranteed Rate hurt my credit score if I apply with three others today?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Does getting a mortgage pre-approval letter from a large online lender like Guaranteed Rate hurt my credit score if I apply with three others today?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
FICO mortgage rate shopping inquiries 14 days 45 days hard inquiry official Google ↗
Guaranteed Rate mortgage preapproval credit check soft pull hard inquiry Google ↗
- What happens when a mortgage lender checks my credit? · consumerfinance.gov
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
- Preapproval Does Affect Credit Score: Here’s How Much · chase.com
Queries
2 queries · click a column to sort