Real ChatGPT answer · index seedYePMlhqwylEcompleteLegal · bankruptcycomparison

Chapter 7 vs Chapter 13 credit score impact over the next three years for a family trying to buy a reliable used car soon.

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Chapter 7 vs Chapter 13 credit score impact over the next three years for a family trying to buy a reliable used car soon.
2 real searches · 1 real-search pass
Chapter 7 Chapter 13 bankruptcy credit report 10 years 7 years CFPB auto loan after bankruptcy car financingGoogle ↗
OBSERVEDReason
Chapter 13 car loan during repayment plan court approval Chapter 7 auto loan after discharge reputable sourceGoogle ↗
OBSERVEDOther / navigational

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)
Short factOther / navigational50%ComparisonConsequenceReason50%DefinitionInstructionYes / no

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
Chapter 7 Chapter 13 bankruptcy credit report 10 years 7 years CFPB auto loan after bankruptcy car financing Google ↗
Chapter 13 car loan during repayment plan court approval Chapter 7 auto loan after discharge reputable source Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Chapter 7 Chapter 13 bankruptcy credit report 10 years 7 years CFPB auto loan after bankruptcy car financing
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
Chapter 13 car loan during repayment plan court approval Chapter 7 auto loan after discharge reputable source
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1