Which credit score factors drop your score faster, missing a credit card payment or closing an old zero balance account?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Which credit score factors drop your score faster, missing a credit card payment or closing an old zero balance account?
1 real search · 1 real-search pass
FICO credit score payment history 35% closing credit card account utilization closed account remains 10 years late payment 30 daysGoogle ↗
OBSERVEDReason
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
FICO credit score payment history 35% closing credit card account utilization closed account remains 10 years late payment 30 days Google ↗
- How Payment History Impacts Your Credit Score · myfico.com
- How long does information stay on my credit report? · consumerfinance.gov
- Unexpected FICO Score Changes · myfico.com