Real ChatGPT answer · index seedkMcp16YoKOMcompleteFinance and banking · credit scores and repairinformational

Why are my FICO and VantageScore numbers so different when looking at auto loan rates and which one do lenders actually care about

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Why are my FICO and VantageScore numbers so different when looking at auto loan rates and which one do lenders actually care about
2 real searches · 1 real-search pass
which credit scores do auto lenders use FICO Auto Score VantageScore CFPBGoogle ↗
OBSERVED
FICO Auto Score versions industry specific auto lending score official myFICOGoogle ↗
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 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
which credit scores do auto lenders use FICO Auto Score VantageScore CFPB Google ↗
FICO Auto Score versions industry specific auto lending score official myFICO Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
which credit scores do auto lenders use FICO Auto Score VantageScore CFPB
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
FICO Auto Score versions industry specific auto lending score official myFICO
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1