Real ChatGPT answer · index seedcRdo8F73mxkcompleteFinance and banking · credit scores and repaircomparison
Will adding my monthly utility bills to my credit history hurt my score if my payment was a few days late last year due to a hospital stay.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Will adding my monthly utility bills to my credit history hurt my score if my payment was a few days late last year due to a hospital stay.
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). 2 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
Experian Boost utility bills late payments only positive payment history reported impact credit score Google ↗
CFPB utility bills credit reports late payments 30 days late credit score utility reporting services Google ↗
- How Utility Bills Could Boost Your Credit Score · experian.com
- Experian Boost · experian.com
- Do Utility Payments Affect Your Credit Score · chase.com
- Does my history of paying utility bills, like telephone, cable, electricity, or water, go in my credit report? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Experian Boost utility bills late payments only positive payment history reported impact credit score OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB utility bills credit reports late payments 30 days late credit score utility reporting services OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |