Real ChatGPT answer · index seeduo6hHxWyGr0completeFinance and banking · checking and savings accountsbrand
Can you explain why my mortgage inquiry caused a hard credit pull while opening my new savings account only required a soft credit pull?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you explain why my mortgage inquiry caused a hard credit pull while opening my new savings account only required a soft credit pull?
1 real search · 1 real-search pass
mortgage hard inquiries rate shopping 14 45 days FICO soft inquiry savings account ChexSystems bank account opening CFPBGoogle ↗
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
mortgage hard inquiries rate shopping 14 45 days FICO soft inquiry savings account ChexSystems bank account opening CFPB Google ↗
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- What happens when a mortgage lender checks my credit? · consumerfinance.gov
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com