What steps should we take to protect our credit score from dropping while we are actively shopping around for different mortgage lenders online?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What steps should we take to protect our credit score from dropping while we are actively shopping around for different mortgage lenders online?
3 real searches · 1 real-search pass
CFPB mortgage shopping credit inquiries rate shopping 45 days FICO 14 days VantageScore soft inquiry prequalificationGoogle ↗
OBSERVED
FICO official rate shopping mortgage inquiries 45 day window older models 14 daysGoogle ↗
OBSERVED
CFPB mortgage shopping multiple credit inquiries rate shopping window credit score 45 days FICO 14 daysGoogle ↗
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
CFPB mortgage shopping credit inquiries rate shopping 45 days FICO 14 days VantageScore soft inquiry prequalification Google ↗
FICO official rate shopping mortgage inquiries 45 day window older models 14 days Google ↗
CFPB mortgage shopping multiple credit inquiries rate shopping window credit score 45 days FICO 14 days Google ↗
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
- What happens when a mortgage lender checks my credit? · consumerfinance.gov
- AnnualCreditReport.com · annualcreditreport.com
- Request and review multiple Loan Estimates · consumerfinance.gov
- Contact multiple lenders · consumerfinance.gov
- CFPB – Buying a Home Guide · consumerfinance.gov
- myFICO – Credit Education · myfico.com
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB mortgage shopping credit inquiries rate shopping 45 days FICO 14 days VantageScore soft inquiry prequalification OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO official rate shopping mortgage inquiries 45 day window older models 14 days OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB mortgage shopping multiple credit inquiries rate shopping window credit score 45 days FICO 14 days OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |