My credit utilization ratio is currently sitting at 38 percent because of a recent medical bill, and I need to know how fast that will hurt my credit score before I apply for a mortgage.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My credit utilization ratio is currently sitting at 38 percent because of a recent medical bill, and I need to know how fast that will hurt my credit score before I apply 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 reported monthly statement balance mortgage credit score utilization thresholds official Google ↗
CFPB medical debt credit reports paid medical debt under $500 one year 2025 Google ↗
- How FICO scores look at credit card limits · myfico.com
- How Owing Money Can Impact Your Credit Score · myfico.com
- Understanding FICO Scores · myfico.com
- How do revolving accounts impact my FICO Score? · myfico.com
- Do medical bills affect my credit and where do I find out what’s in my medical payment history? · consumerfinance.gov
- Have medical debt? Anything already paid or under $500 should no longer be on your credit report · consumerfinance.gov
- AnnualCreditReport.com · annualcreditreport.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO credit utilization reported monthly statement balance mortgage credit score utilization thresholds official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB medical debt credit reports paid medical debt under $500 one year 2025 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |