Real ChatGPT answer · index seedYb7RdLUQ2c0completeFinance and banking · credit scores and repairinformational
How does a charge-off differ from a collection account on my credit report, and which one hurts my chances of renting my first post-grad apartment more?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does a charge-off differ from a collection account on my credit report, and which one hurts my chances of renting my first post-grad apartment more?
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 tenant screening reports credit history collections charge-off rental application landlord Google ↗
FTC credit report charge-off collection account same debt rental screening tenant reports Google ↗
- What is a tenant screening report? · consumerfinance.gov
- Tenant Background Checks and Your Rights · consumer.ftc.gov
- What should I do if my rental application is denied because of a tenant screening report? · consumerfinance.gov
- Review your rental background check · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB tenant screening reports credit history collections charge-off rental application landlord OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FTC credit report charge-off collection account same debt rental screening tenant reports OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |