Real ChatGPT answer · index seedyDkH7C7yggUcompleteFinance and banking · credit scores and repairinformational
What constitutes a hard credit inquiry versus a soft inquiry, and which one hurts my credit score when I am shopping around for student loan refinancing?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What constitutes a hard credit inquiry versus a soft inquiry, and which one hurts my credit score when I am shopping around for student loan refinancing?
1 real search · 1 real-search pass
student loan refinancing rate prequalification soft credit check hard inquiry rate shopping FICO student loansGoogle ↗
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
student loan refinancing rate prequalification soft credit check hard inquiry rate shopping FICO student loans Google ↗
- How do FICO scores consider student loan shopping? · myfico.com
- How Does Rate Shopping Affect Your Credit Scores? · experian.com
- Refinancing FAQs · lendkey.com
- Does Refinancing Student Loans Hurt Your Credit Score? · sofi.com