Can a credit card company do a hard inquiry on my credit report without my explicit permission just because I am an authorized user on my child's account?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can a credit card company do a hard inquiry on my credit report without my explicit permission just because I am an authorized user on my child's account?
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
FCRA hard inquiry authorized user credit card account permissible purpose authorized user credit report CFPB FTC Google ↗
CFPB hard inquiry without permission permissible purpose existing account review credit report Google ↗
- I was an authorized user on my deceased relative’s credit card account. Am I liable to repay the debt? · consumerfinance.gov
- When can a credit card company look at my credit reports? · consumerfinance.gov
- What is a credit inquiry? · consumerfinance.gov
- Who can request to see my credit report? · consumerfinance.gov
- CFPB Consumer Complaint Portal · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FCRA hard inquiry authorized user credit card account permissible purpose authorized user credit report CFPB FTC OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB hard inquiry without permission permissible purpose existing account review credit report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |