Real ChatGPT answer · index seedz1DtfbYVBe4completeFinance and banking · personal loansinformational
How does prequalification work for personal loans and is there any truth to the rumor that checking multiple sites can temporarily lower my credit score
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does prequalification work for personal loans and is there any truth to the rumor that checking multiple sites can temporarily lower my credit score
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
CFPB personal loan prequalification soft inquiry hard inquiry credit score rate shopping multiple applications personal loans Google ↗
FICO rate shopping window personal loans hard inquiries 14 45 days official Google ↗
- Minimize FICO Impact When Applying for New Credit · myfico.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- Does Getting Preapproved Affect Your Credit? · experian.com
- soft versus hard credit inquiries · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB personal loan prequalification soft inquiry hard inquiry credit score rate shopping multiple applications personal loans OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
FICO rate shopping window personal loans hard inquiries 14 45 days official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |