Real ChatGPT answer · index seedc9BRy0M5KL8completeFinance and banking · credit scores and repairinformational

What does a hard inquiry mean and how many points will it drop my score if I apply for an auto loan?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What does a hard inquiry mean and how many points will it drop my score if I apply for an auto loan?
2 real searches · 1 real-search pass
FICO hard inquiries auto loan rate shopping 14 45 day window points impact officialGoogle ↗
OBSERVED
CFPB auto loan credit inquiry rate shopping credit score hard inquiryGoogle ↗
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 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
FICO hard inquiries auto loan rate shopping 14 45 day window points impact official Google ↗
CFPB auto loan credit inquiry rate shopping credit score hard inquiry Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FICO hard inquiries auto loan rate shopping 14 45 day window points impact official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
CFPB auto loan credit inquiry rate shopping credit score hard inquiry
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1