Is it true that keeping my credit utilization ratio under ten percent is the best way to raise my score before applying for a mortgage?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it true that keeping my credit utilization ratio under ten percent is the best way to raise my score before applying for a mortgage?
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 credit utilization under 10 percent mortgage score credit card balances reporting statement date mortgage preparation Google ↗
Fannie Mae mortgage credit score utilization revolving balances credit scoring guidance Google ↗
- Manage and monitor your credit · yourhome.fanniemae.com
- How FICO scores look at credit card limits · myfico.com
- Myth Busting– You Don't Need to Carry Credit Card Balances to Improve Your FICO Scores · myfico.com
- Risk Factors Evaluated by DU · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO credit utilization under 10 percent mortgage score credit card balances reporting statement date mortgage preparation OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Fannie Mae mortgage credit score utilization revolving balances credit scoring guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |