Real ChatGPT answer · index seedximrL5We1KkcompleteFinance and banking · credit scores and repaircommercial
Can a collection account that has already been paid in full still negatively impact my mortgage debt-to-income ratio calculations?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can a collection account that has already been paid in full still negatively impact my mortgage debt-to-income ratio calculations?
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
Fannie Mae debt-to-income ratio paid collection account monthly payment zero balance mortgage underwriting collection accounts Google ↗
FHA mortgage debt to income paid collection account monthly payment paid in full Google ↗
- Mortgagee Letter 2013-24, Continued · hud.gov
- FHA Credit Requirements (TOTAL Mortgage Scorecard) · claudeforcompliance.com
- Debts Paid Off At or Prior to Closing · selling-guide.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae debt-to-income ratio paid collection account monthly payment zero balance mortgage underwriting collection accounts OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA mortgage debt to income paid collection account monthly payment paid in full OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |