Are there severe credit score penalties if my daughter defaults on a private student loan that I co-signed as a business owner?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there severe credit score penalties if my daughter defaults on a private student loan that I co-signed as a business owner?
3 real searches · 1 real-search pass
CFPB private student loan cosigner default credit report late payments cosigner liabilityGoogle ↗
OBSERVEDConsequence
FTC credit reporting negative information seven years delinquency dateGoogle ↗
OBSERVEDConsequence
SBA business owner personal credit co-signed personal loan business credit reportGoogle ↗
OBSERVEDReason
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). 2 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
CFPB private student loan cosigner default credit report late payments cosigner liability Google ↗
FTC credit reporting negative information seven years delinquency date Google ↗
SBA business owner personal credit co-signed personal loan business credit report Google ↗
- Tips for student loan co-signers · consumerfinance.gov
- What happens if I default on a private student loan? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB private student loan cosigner default credit report late payments cosigner liability OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FTC credit reporting negative information seven years delinquency date OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
SBA business owner personal credit co-signed personal loan business credit report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |