Real ChatGPT answer · index seedW5Rt8F3YIiocompleteParenting and family · family financesinformational
What are the main things credit bureaus look at and how long does negative payment history stay on your report
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the main things credit bureaus look at and how long does negative payment history stay on your report
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
CFPB how long negative information stays on credit report late payments collections charge offs bankruptcy 7 years Google ↗
FTC credit report negative information seven years late payments bankruptcy 10 years Google ↗
- How long does information stay on my credit report? · consumerfinance.gov
- Fixing Your Credit FAQs · consumer.ftc.gov
- How Long Does Negative Info Stay on Credit Reports? · myfico.com
- How long does a bankruptcy appear on credit reports? · consumerfinance.gov
- Is it possible to remove accurate but negative information from my credit report? · consumerfinance.gov
- Disputing Errors on Your Credit Reports · consumer.ftc.gov
- AnnualCreditReport.com · annualcreditreport.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB how long negative information stays on credit report late payments collections charge offs bankruptcy 7 years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FTC credit report negative information seven years late payments bankruptcy 10 years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |