Does keeping my credit utilization ratio below ten percent actually boost my score faster than keeping it under thirty percent when my wife and I are about to refinance?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Does keeping my credit utilization ratio below ten percent actually boost my score faster than keeping it under thirty percent when my wife and I are about to refinance?
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 credit utilization below 10 percent versus 30 percent mortgage refinance scores reported balance utilization official Google ↗
mortgage refinance credit scores mortgage FICO models utilization credit card balances reporting date official Fannie Mae Google ↗
- How FICO scores look at credit card limits · myfico.com
- Score a Better Future - Today. · myfico.com
- How Owing Money Can Impact Your Credit Score · myfico.com
- Does my credit score affect my ability to get a mortgage loan or the mortgage rate I pay? · consumerfinance.gov
- General Requirements for Credit Scores · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO credit utilization below 10 percent versus 30 percent mortgage refinance scores reported balance utilization official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
mortgage refinance credit scores mortgage FICO models utilization credit card balances reporting date official Fannie Mae OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |