Real ChatGPT answer · index seedmw6iyqy4QcIcompleteFinance and banking · credit scores and repairinformational
What does a hard inquiry actually do to my score when I am shopping around for the best mortgage rates
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What does a hard inquiry actually do to my score when I am shopping around for the best mortgage rates
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
FICO mortgage rate shopping multiple inquiries 45 day window older scoring models 14 days hard inquiry impact Google ↗
CFPB mortgage shopping credit inquiries count as one credit score window Google ↗
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- How Does Rate Shopping Affect Your Credit Scores? · experian.com
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- Request and review multiple Loan Estimates · consumerfinance.gov
- What happens when a mortgage lender checks my credit? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO mortgage rate shopping multiple inquiries 45 day window older scoring models 14 days hard inquiry impact OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB mortgage shopping credit inquiries count as one credit score window OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |