Real ChatGPT answer · index seedzwt5jtgZHyscompleteFinance and banking · credit scores and repairbrand
Experian Boost claims to raise credit scores using utility payments, but do mortgage lenders actually factor those points into manual underwriting decisions?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Experian Boost claims to raise credit scores using utility payments, but do mortgage lenders actually factor those points into manual underwriting decisions?
3 real searches · 1 real-search pass
Experian Boost mortgage lenders mortgage FICO scores utility payments manual underwriting Fannie Mae Freddie Mac guidanceGoogle ↗
OBSERVEDReason
Fannie Mae selling guide utility payments credit report manual underwriting nontraditional credit utility billsGoogle ↗
OBSERVEDReason
Freddie Mac guide utility payments credit score mortgage underwriting utility bills manual underwritingGoogle ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Experian Boost mortgage lenders mortgage FICO scores utility payments manual underwriting Fannie Mae Freddie Mac guidance Google ↗
Fannie Mae selling guide utility payments credit report manual underwriting nontraditional credit utility bills Google ↗
Freddie Mac guide utility payments credit score mortgage underwriting utility bills manual underwriting Google ↗
- Experian Boost® Disclosure · experian.com
- General Requirements for Credit Scores · selling-guide.fanniemae.com
- Number and Types of Nontraditional Credit References · selling-guide.fanniemae.com
- Eligibility Requirements for Loans with Nontraditional Credit · selling-guide.fanniemae.com
- Documentation and Assessment of a Nontraditional Credit History · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Experian Boost mortgage lenders mortgage FICO scores utility payments manual underwriting Fannie Mae Freddie Mac guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae selling guide utility payments credit report manual underwriting nontraditional credit utility bills OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide utility payments credit score mortgage underwriting utility bills manual underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |