Real ChatGPT answer · index seedUKme6EAX9bUcompleteFinance and banking · credit scores and repairinformational
How far back can credit bureaus legally report a closed account that had late payments over a decade ago?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How far back can credit bureaus legally report a closed account that had late payments over a decade ago?
1 real search · 1 real-search pass
FCRA how long late payments remain on credit report seven years date delinquency closed account official CFPB FTCGoogle ↗
OBSERVED
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.
Classifying 1 queries…
Searches and sources
ChatGPT1 real searches · gpt-6
FCRA how long late payments remain on credit report seven years date delinquency closed account official CFPB FTC Google ↗
- How long does information stay on my credit report? · consumerfinance.gov
- Consumer Reports: What Information Furnishers Need to Know · search.ftc.gov
- Consumer Financial Protection Bureau (CFPB) · consumerfinance.gov