Real ChatGPT answer · index seedjFfPM11AW2scompleteFinance and banking · checking and savings accountsinformational
Why did my local credit union run a hard credit check when I applied for a simple business checking account?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my local credit union run a hard credit check when I applied for a simple business checking account?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB permissible purpose hard inquiry bank deposit account opening credit report FCRA Google ↗
credit union hard inquiry opening business checking account personal credit report policy Google ↗
- Questions and Answers About the Fair Credit Reporting Act · federalreserve.gov
- When can a bank pull or review a credit report? · helpwithmybank.gov
- What is a credit inquiry? · consumerfinance.gov
- Credit inquiries: what you should know about hard and soft pulls · sba.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB permissible purpose hard inquiry bank deposit account opening credit report FCRA OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
credit union hard inquiry opening business checking account personal credit report policy OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |