Real ChatGPT answer · index seedrEhLKQ8d42EcompleteFinance and banking · credit scores and repairinformational
My older brother told me to close my unused credit cards to look better to landlords, but will that actually tank my score by ruining my credit utilization ratio?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My older brother told me to close my unused credit cards to look better to landlords, but will that actually tank my score by ruining my credit utilization ratio?
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
FICO closing credit card impact credit utilization ratio account age official guidance Google ↗
CFPB closing credit card account credit score utilization landlord tenant screening credit report Google ↗
- Does it hurt my credit to close a credit card? · consumerfinance.gov
- Does Closing a Credit Card Boost Your FICO Score? · myfico.com
- Will paying off my credit card balance every month improve my credit score? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO closing credit card impact credit utilization ratio account age official guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB closing credit card account credit score utilization landlord tenant screening credit report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |