Real ChatGPT answer · index seedYFxfK4wD7EYcompleteFinance and banking · credit scores and repairinformational
How long do paid collections legally stay on my credit report, and do they hurt my chances of getting a cheap mortgage rate?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do paid collections legally stay on my credit report, and do they hurt my chances of getting a cheap mortgage rate?
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
FCRA how long collection accounts remain credit report date delinquency paid collections CFPB FTC Google ↗
Fannie Mae mortgage underwriting paid collections credit report treatment collections accounts FHA VA conventional 2026 Google ↗
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- DU Credit Report Analysis · selling-guide.fanniemae.com
- VA Pamphlet VAP26-7 Chapter 04 Credit Underwriting · knowva.ebenefits.va.gov
- How Do Collections Affect Your Credit? · myfico.com
- AnnualCreditReport.com · annualcreditreport.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FCRA how long collection accounts remain credit report date delinquency paid collections CFPB FTC OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae mortgage underwriting paid collections credit report treatment collections accounts FHA VA conventional 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |