Evaluate the checking prequalification impact on my FICO score when simultaneously shopping between Marcus and Discover for a mid-tier personal loan.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Evaluate the checking prequalification impact on my FICO score when simultaneously shopping between Marcus and Discover for a mid-tier personal loan.
3 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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Marcus personal loans prequalification soft credit inquiry hard inquiry current policy Google ↗
Discover personal loans prequalification soft credit inquiry hard inquiry current policy Google ↗
FICO rate shopping personal loans inquiry window 14 45 days scoring models Google ↗
- Marcus by Goldman Sachs Personal Loan Alternatives · nerdwallet.com
- Marcus Personal Loan Alternatives · credible.com
- How to Check Your Personal Loan Rate with a Soft Pull · discover.com
- Personal Loans Pre-qualification vs. Pre-approval · discover.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- How to Rate Shop and Minimize the Impact to Your FICO® Scores · myfico.com
- Does Getting Preapproved Affect Your Credit? · experian.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Marcus personal loans prequalification soft credit inquiry hard inquiry current policy OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Discover personal loans prequalification soft credit inquiry hard inquiry current policy OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO rate shopping personal loans inquiry window 14 45 days scoring models OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |