Real ChatGPT answer · index seedbeNSD6LSb6wcompleteFinance and banking · checking and savings accountsinformational
Why do some banks do a hard credit check for new savings accounts while others only do a soft pull that does not affect my FICO score
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why do some banks do a hard credit check for new savings accounts while others only do a soft pull that does not affect my FICO score
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
why banks check credit hard inquiry savings account soft inquiry ChexSystems FICO Google ↗
CFPB bank account screening ChexSystems Early Warning Services credit inquiry savings account Google ↗
- When can a bank pull or review a credit report? · helpwithmybank.gov
- Does opening a savings account affect credit score? · chase.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
why banks check credit hard inquiry savings account soft inquiry ChexSystems FICO OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB bank account screening ChexSystems Early Warning Services credit inquiry savings account OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |