Real ChatGPT answer · index seedZ5kqz57r3kMcompleteFinance and banking · credit scores and repairinformational
How does paying off a thirty-year-old collection account affect my credit score today given the newest scoring models?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does paying off a thirty-year-old collection account affect my credit score today given the newest scoring models?
4 real searches · 1 real-search pass
FCRA how long collection account can remain credit report date of first delinquency 7 years 180 days CFPBGoogle ↗
OBSERVED
FICO 9 paid collections excluded FICO 10 paid collections scoring models officialGoogle ↗
OBSERVED
VantageScore 4.0 paid collections ignored officialGoogle ↗
OBSERVED
Virginia statute limitations revive time barred debt payment acknowledgment debt collectionGoogle ↗
OBSERVED
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 4 queries…
Searches and sources
ChatGPT4 real searches · gpt-6
FCRA how long collection account can remain credit report date of first delinquency 7 years 180 days CFPB Google ↗
FICO 9 paid collections excluded FICO 10 paid collections scoring models official Google ↗
VantageScore 4.0 paid collections ignored official Google ↗
Virginia statute limitations revive time barred debt payment acknowledgment debt collection Google ↗
- How Do Collections Affect Your Credit? · myfico.com
- FICO Score Types: Why Multiple Versions Matter for You · myfico.com
- Additional Considerations · cdn.vantagescore.com
- Credit Scores · fhfa.gov
- Debt Collection FAQs · consumer.ftc.gov
- AnnualCreditReport.com · annualcreditreport.com
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FCRA how long collection account can remain credit report date of first delinquency 7 years 180 days CFPB OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO 9 paid collections excluded FICO 10 paid collections scoring models official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
VantageScore 4.0 paid collections ignored official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Virginia statute limitations revive time barred debt payment acknowledgment debt collection OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |