What specific credit score factors do lenders look at twelve months after a discharge, and will I ever qualify for a decent apartment lease?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What specific credit score factors do lenders look at twelve months after a discharge, and will I ever qualify for a decent apartment lease?
3 real searches · 1 real-search pass
what lenders evaluate after Chapter 7 bankruptcy discharge credit score factors payment history utilization FICO officialGoogle ↗
OBSERVEDReason
apartment rental approval after bankruptcy tenant screening credit report income rental history security deposit CFPBGoogle ↗
OBSERVEDReason
how long bankruptcy stays on credit report Chapter 7 Chapter 13 discharge FICOGoogle ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
what lenders evaluate after Chapter 7 bankruptcy discharge credit score factors payment history utilization FICO official Google ↗
apartment rental approval after bankruptcy tenant screening credit report income rental history security deposit CFPB Google ↗
how long bankruptcy stays on credit report Chapter 7 Chapter 13 discharge FICO Google ↗
- What's in your credit score? · myfico.com
- What's in your credit score? · myfico.com
- Credit Reports and Credit Scores · fdic.gov
- What is a tenant screening report? · consumerfinance.gov
- Consumer Snapshot Tenant Background Checks 11.15.22 ver 508 · files.consumerfinance.gov
- Tenant Background Checks and Your Rights · consumer.ftc.gov
- How long does a bankruptcy appear on credit reports? · consumerfinance.gov
- Bankruptcy Types and Their Impact on FICO Scores · myfico.com
- AnnualCreditReport.com · annualcreditreport.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
what lenders evaluate after Chapter 7 bankruptcy discharge credit score factors payment history utilization FICO official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
apartment rental approval after bankruptcy tenant screening credit report income rental history security deposit CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
how long bankruptcy stays on credit report Chapter 7 Chapter 13 discharge FICO OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |