How do hard inquiries resulting from soft pull pre-approval checks impact my FICO Score 8 versus VantageScore 3.0 algorithms today?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do hard inquiries resulting from soft pull pre-approval checks impact my FICO Score 8 versus VantageScore 3.0 algorithms today?
3 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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
FICO Score 8 hard inquiries rate shopping 45 days soft inquiry preapproval official FICO Google ↗
VantageScore 3.0 hard inquiries rate shopping 14 days impact official VantageScore Google ↗
FICO hard inquiry impact score 5 points 12 months remain report 2 years official Google ↗
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- How New Credit Impacts Your Credit Score · myfico.com
- FAQs · vantagescore.com
- What is a credit inquiry? · consumerfinance.gov
- How to Rate Shop and Minimize the Impact to Your FICO® Scores · myfico.com
- FAQs · vantagescore.com
- Credit Score Basics: What Impacts Your Score and Why It Matters · experian.com
- How Does Rate Shopping Affect Your Credit Scores? · experian.com
- When can a credit card company look at my credit reports? · consumerfinance.gov
- When will my lender run or obtain a copy of my credit report? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO Score 8 hard inquiries rate shopping 45 days soft inquiry preapproval official FICO OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
VantageScore 3.0 hard inquiries rate shopping 14 days impact official VantageScore OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO hard inquiry impact score 5 points 12 months remain report 2 years official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |