Real ChatGPT answer · index seedc7oq2TfrBvkcompleteFinance and banking · checking and savings accountscommercial
Why did opening a new savings account result in a hard inquiry on my credit report, and which banks avoid doing this?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did opening a new savings account result in a hard inquiry on my credit report, and which banks avoid doing this?
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). 1 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
do savings account applications cause hard inquiry credit report bank account opening ChexSystems hard pull policy Google ↗
banks savings account no hard credit inquiry Ally Capital One 360 Marcus Discover savings credit check policy Google ↗
- When can a bank pull or review a credit report? · helpwithmybank.gov
- Your banking history report · files.consumerfinance.gov
- Will Applying For A Bank Account Impact Your Credit Score? · cnbc.com
- Opening an Account · ally.com
- Marcus by Goldman Sachs High-Yield Savings Accounts Review · money.com
- Marcus website · marcus.com
- Performance Savings Account Disclosures · capitalone.com
- What is a credit inquiry? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
do savings account applications cause hard inquiry credit report bank account opening ChexSystems hard pull policy OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
banks savings account no hard credit inquiry Ally Capital One 360 Marcus Discover savings credit check policy OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |