Real ChatGPT answer · index seedcZSfKDik5ykcompleteFinance and banking · credit scores and repairinformational
How long do Chapter 13 bankruptcies actually depress your mortgage FICO score compared to Chapter 7 liquidations when you maintain a post-petition authorized user trade line?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do Chapter 13 bankruptcies actually depress your mortgage FICO score compared to Chapter 7 liquidations when you maintain a post-petition authorized user trade line?
3 real searches · 1 real-search pass
Chapter 13 vs Chapter 7 bankruptcy credit report 7 years 10 years FICO score recovery mortgage FICO authorized user tradelineGoogle ↗
OBSERVED
Fannie Mae selling guide authorized user accounts credit score mortgage underwriting bankruptcy Chapter 13 Chapter 7 waiting periodGoogle ↗
OBSERVED
FICO authorized user accounts impact credit score bankruptcy mortgage scores authorized userGoogle ↗
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Chapter 13 vs Chapter 7 bankruptcy credit report 7 years 10 years FICO score recovery mortgage FICO authorized user tradeline Google ↗
Fannie Mae selling guide authorized user accounts credit score mortgage underwriting bankruptcy Chapter 13 Chapter 7 waiting period Google ↗
FICO authorized user accounts impact credit score bankruptcy mortgage scores authorized user Google ↗
- How to Rebuild Credit After Bankruptcy · myfico.com
- Bankruptcy Types and Their Impact on FICO Scores · myfico.com
- Quarterly Consumer Credit Trends: Consumer Bankruptcy, BAPCPA, and the Great Recession · files.consumerfinance.gov
- How Authorized Users Affect FICO Scores| myFICO · myfico.com
- Authorized Users of Credit · selling-guide.fanniemae.com
- Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Chapter 13 vs Chapter 7 bankruptcy credit report 7 years 10 years FICO score recovery mortgage FICO authorized user tradeline OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae selling guide authorized user accounts credit score mortgage underwriting bankruptcy Chapter 13 Chapter 7 waiting period OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO authorized user accounts impact credit score bankruptcy mortgage scores authorized user OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |