How does a soft credit pull versus a hard credit inquiry impact my interest rate when shopping multiple lenders for a mortgage pre approval letter?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does a soft credit pull versus a hard credit inquiry impact my interest rate when shopping multiple lenders for a mortgage pre approval letter?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB mortgage shopping multiple lenders credit inquiries rate shopping window hard inquiry mortgage preapproval soft pull interest rate Google ↗
FICO mortgage rate shopping 45 day window older models 14 days mortgage inquiries 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
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- Request and review multiple Loan Estimates · consumerfinance.gov
- Shopping for a Mortgage · consumerfinance.gov
- Contact multiple lenders · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB mortgage shopping multiple lenders credit inquiries rate shopping window hard inquiry mortgage preapproval soft pull interest rate OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO mortgage rate shopping 45 day window older models 14 days mortgage inquiries OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |