Does getting prequalified for a LendingClub loan hurt my chances of getting a better rate elsewhere later this week?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Does getting prequalified for a LendingClub loan hurt my chances of getting a better rate elsewhere later this week?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
LendingClub personal loan prequalification soft credit inquiry hard credit pull official Google ↗
CFPB rate shopping personal loans multiple hard inquiries credit score FICO inquiry shopping window Google ↗
- Apply for a Personal Loan up to $60,000 · lendingclub.com
- Credit Profile Authorization · lendingclub.com
- What kind of credit inquiry has no effect on my credit score? · consumerfinance.gov
- How to Rate Shop and Minimize the Impact to Your FICO® Scores · myfico.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
LendingClub personal loan prequalification soft credit inquiry hard credit pull official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
CFPB rate shopping personal loans multiple hard inquiries credit score FICO inquiry shopping window OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |