Is co-signing a private student loan worse for my credit utilization ratio than personal loan debt when applying for a car refinance?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is co-signing a private student loan worse for my credit utilization ratio than personal loan debt when applying for a car refinance?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
FICO credit utilization installment loans revolving credit utilization co-signed student loan debt to income auto refinance Google ↗
CFPB co-signing private student loan credit report debt to income auto loan refinance Google ↗
- Cosigning a Loan FAQs · consumer.ftc.gov
- How Does Cosigning Affect Your Credit? · experian.com
- Tips for student loan co-signers · consumerfinance.gov
- How student loan debt and credit card debt affect your credit differently · myfico.com
- Understanding FICO Scores · myfico.com
- AnnualCreditReport.com · annualcreditreport.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO credit utilization installment loans revolving credit utilization co-signed student loan debt to income auto refinance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB co-signing private student loan credit report debt to income auto loan refinance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |