Real ChatGPT answer · index seedhCCmORxKhzMcompleteFinance and banking · personal loansinformational
How do automated underwriting algorithms weigh hard inquiries resulting from shopping multiple personal loan offers within a compressed timeframe?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do automated underwriting algorithms weigh hard inquiries resulting from shopping multiple personal loan offers within a compressed timeframe?
3 real searches · 1 real-search pass
FICO rate shopping personal loan inquiries grouped deduplicated personal loans hard inquiries scoring modelGoogle ↗
OBSERVEDReason
CFPB hard inquiries personal loan rate shopping credit score multiple applicationsGoogle ↗
OBSERVEDConsequence
Experian personal loan rate shopping multiple hard inquiries count separatelyGoogle ↗
OBSERVEDConsequence
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
FICO rate shopping personal loan inquiries grouped deduplicated personal loans hard inquiries scoring model Google ↗
CFPB hard inquiries personal loan rate shopping credit score multiple applications Google ↗
Experian personal loan rate shopping multiple hard inquiries count separately Google ↗
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- How to Rate Shop and Minimize the Impact to Your FICO® Scores · myfico.com
- Do Multiple Loan Inquiries Affect Your Credit Score? · experian.com
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- What is a credit inquiry? · consumerfinance.gov
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO rate shopping personal loan inquiries grouped deduplicated personal loans hard inquiries scoring model OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB hard inquiries personal loan rate shopping credit score multiple applications OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Experian personal loan rate shopping multiple hard inquiries count separately OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |