Real ChatGPT answer · index seedx74JVZey85kcompleteFinance and banking · credit scores and repaircommercial
How does adding utility and phone bills to our credit reports affect our overall household debt-to-income ratio when applying for a home loan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does adding utility and phone bills to our credit reports affect our overall household debt-to-income ratio when applying for a home loan?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
mortgage debt to income ratio utility bills phone bills count monthly debt obligations Fannie Mae guidelines Google ↗
CFPB utility phone bills credit reports credit score alternative data mortgage underwriting Google ↗
- Financial Basics Frequently Asked Questions · yourhome.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
- everycrsreport.com · everycrsreport.com
- everycrsreport.com · everycrsreport.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mortgage debt to income ratio utility bills phone bills count monthly debt obligations Fannie Mae guidelines OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB utility phone bills credit reports credit score alternative data mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |