How many hard inquiries are too many when shopping around for a new home equity line of credit and how long do they realistically stay on my credit file
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How many hard inquiries are too many when shopping around for a new home equity line of credit and how long do they realistically stay on my credit file
1 real search · 1 real-search pass
FICO rate shopping mortgage inquiries 45 day window HELOC hard inquiries scoring models; CFPB credit inquiries how long remain credit report; Experian HELOC rate shopping inquiries treated separatelyGoogle ↗
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 1 queries…
Searches and sources
ChatGPT1 real searches · gpt-6
FICO rate shopping mortgage inquiries 45 day window HELOC hard inquiries scoring models; CFPB credit inquiries how long remain credit report; Experian HELOC rate shopping inquiries treated separately Google ↗
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- How Does Rate Shopping Affect Your Credit Scores? · experian.com
- How to Rate Shop and Minimize the Impact to Your FICO® Scores · myfico.com
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
Queries
1 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO rate shopping mortgage inquiries 45 day window HELOC hard inquiries scoring models; CFPB credit inquiries how long remain credit report; Experian HELOC rate shopping inquiries treated separately OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |