I am helping my grandson compare student credit card options, and I want to know if missing a single payment will permanently ruin his credit score before he even graduates.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I am helping my grandson compare student credit card options, and I want to know if missing a single payment will permanently ruin his credit score before he even graduates.
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). 1 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
CFPB credit card late payment 30 days credit report payment history how long late payment stays credit report Google ↗
FICO missed payment impact credit score payment history 35 percent late payment stays seven years Google ↗
- How long does information stay on my credit report? · consumerfinance.gov
- How Payment History Impacts Your Credit Score · myfico.com
- Does a Late Payment Affect Credit Score? myFICO · myfico.com
- Consumer Financial Protection Bureau · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB credit card late payment 30 days credit report payment history how long late payment stays credit report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FICO missed payment impact credit score payment history 35 percent late payment stays seven years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |