Real ChatGPT answer · index seedmDQxStallTUcompleteFinance and banking · credit scores and repairinformational
Why did my Experian FICO score drop significantly after I paid off my installment loan even though my payment history is spotless
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my Experian FICO score drop significantly after I paid off my installment loan even though my payment history is spotless
1 real search · 1 real-search pass
FICO score paid off installment loan score drop closed account utilization official FICOGoogle ↗
OBSERVEDConsequence
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
FICO score paid off installment loan score drop closed account utilization official FICO Google ↗
- Why Did My Credit Score Drop When I Paid Off a Loan? · experian.com
- Why Did My FICO Score Drop After Paying Off a Loan? · myfico.com
- How Long After You Pay Off Debt Does Your Credit Improve? · experian.com