Real ChatGPT answer · index seedel1WydcyAgMcompleteFinance and banking · credit scores and repairinformational
Can a creditor legally update the date of first delinquency on a charged-off account to restart the seven-year obsolescence period under the FCRA?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can a creditor legally update the date of first delinquency on a charged-off account to restart the seven-year obsolescence period under the FCRA?
3 real searches · 1 real-search pass
15 USC 1681c(c)(1) date of commencement of delinquency charge-off FCRA re-aging officialGoogle ↗
OBSERVED
CFPB re-aging debt credit report date of first delinquency FCRA creditor reporting officialGoogle ↗
OBSERVED
FTC Fair Credit Reporting Act date of delinquency charge off seven years re-agingGoogle ↗
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
15 USC 1681c(c)(1) date of commencement of delinquency charge-off FCRA re-aging official Google ↗
CFPB re-aging debt credit report date of first delinquency FCRA creditor reporting official Google ↗
FTC Fair Credit Reporting Act date of delinquency charge off seven years re-aging Google ↗
- Consumer Reports: What Information Furnishers Need to Know · ftc.gov
- Consumer Reports: What Information Furnishers Need to Know · ftc.gov
- 15 U.S.C. § 1681c: Requirements relating to information contained in consumer reports · uscode.house.gov
- CONSUMER FINANCIAL PROTECTION BUREAU · files-prod.consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
15 USC 1681c(c)(1) date of commencement of delinquency charge-off FCRA re-aging official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB re-aging debt credit report date of first delinquency FCRA creditor reporting official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FTC Fair Credit Reporting Act date of delinquency charge off seven years re-aging OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |