Real ChatGPT answer · index seedynWUl41YjPMcompleteFinance and banking · budgeting and savinginformational
How do credit scoring models treat the sudden closure of a twenty year old credit card account versus keeping it open with zero balance?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do credit scoring models treat the sudden closure of a twenty year old credit card account versus keeping it open with zero balance?
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
FICO closed accounts remain on credit report 10 years credit utilization closed credit card account scoring age of credit history Google ↗
Experian closing credit card account effect credit score average age utilization closed account Google ↗
- How credit limit decreases can affect your score · myfico.com
- Does it hurt my credit to close a credit card? · consumerfinance.gov
- How Long Do Closed Accounts Stay on My Credit Report? · transunion.com
- Does Closing a Credit Card Boost Your FICO Score? · myfico.com
- How long does information stay on my credit report? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FICO closed accounts remain on credit report 10 years credit utilization closed credit card account scoring age of credit history OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Experian closing credit card account effect credit score average age utilization closed account OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |