Real ChatGPT answer · index seedUKHTYrXhKQgcompleteFinance and banking · checking and savings accountsinformational
Why do some business checking accounts require a hard credit pull while others only use a soft inquiry for identity verification?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why do some business checking accounts require a hard credit pull while others only use a soft inquiry for identity verification?
1 real search · 1 real-search pass
business checking account hard credit inquiry soft inquiry identity verification bank policy ChexSystemsGoogle ↗
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
business checking account hard credit inquiry soft inquiry identity verification bank policy ChexSystems Google ↗
- SECTION 1020.220—Customer Identification Program Requirements for Banks · federalreserve.gov
- CDD Rule FAQs · fincen.gov
- When can a bank pull or review a credit report? · helpwithmybank.gov
- Why was I denied a checking account? · consumerfinance.gov