How does checking my credit score through my banking app affect my ability to get approved for a new rewards card today, does it count as a hard pull?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does checking my credit score through my banking app affect my ability to get approved for a new rewards card today, does it count as a hard pull?
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
2026 credit report soft inquiry hard inquiry checking credit score banking app CFPB Google ↗
bank app checking credit score soft inquiry does it affect credit score CFPB hard inquiry credit card application Google ↗
- What is a credit inquiry? · consumerfinance.gov
- When can a credit card company look at my credit reports? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 credit report soft inquiry hard inquiry checking credit score banking app CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
bank app checking credit score soft inquiry does it affect credit score CFPB hard inquiry credit card application OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |