Real ChatGPT answer · index seedpu2eg7maXpIcompleteFinance and banking · credit scores and repairinformational
What specific criteria do lenders look for regarding the age of last delinquency when evaluating my file for a prime interest rate?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What specific criteria do lenders look for regarding the age of last delinquency when evaluating my file for a prime interest rate?
3 real searches · 1 real-search pass
FICO how recent late payments affect credit score age of most recent delinquency lender underwriting prime ratesGoogle ↗
OBSERVED
Experian how long late payments affect credit score 7 years recency severity frequencyGoogle ↗
OBSERVED
CFPB credit report late payment seven years mortgage lender credit underwriting delinquencyGoogle ↗
OBSERVED
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
FICO how recent late payments affect credit score age of most recent delinquency lender underwriting prime rates Google ↗
Experian how long late payments affect credit score 7 years recency severity frequency Google ↗
CFPB credit report late payment seven years mortgage lender credit underwriting delinquency Google ↗
- Payment History · selling-guide.fanniemae.com
- Risk Factors Evaluated by DU · selling-guide.fanniemae.com
- What's in your credit score? · myfico.com
- FICO · penfed.org
- How long does information stay on my credit report? · consumerfinance.gov
- When Do Late Payments Get Reported? · experian.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO how recent late payments affect credit score age of most recent delinquency lender underwriting prime rates OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Experian how long late payments affect credit score 7 years recency severity frequency OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB credit report late payment seven years mortgage lender credit underwriting delinquency OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |