ChatGPT can now access U.S. consumers' credit scores: integrated with Experian, it tells users which credit card is dragging down their score.
37 minutes ago
Dongcha Beating AI News Flash: OpenAI adds credit score tracking to ChatGPT Finances. U.S. Plus and Pro users can now directly link Experian credit reports and VantageScore 3.0, without needing to first connect bank accounts. Rollout is underway for web, iOS, and Android platforms. Once connected, ChatGPT can access reported accounts, balances, credit limits, credit utilization, payment history, and inquiry records, explaining which factors are impacting the credit score. Credit reports and scores are updated monthly, and users receive alerts when new inquiries, new accounts, or address changes occur. Credit checks conducted here count as soft inquiries, which do not lower credit scores. It can also analyze credit reports alongside account data integrated into Finances via Plaid. For example, it can identify which credit card uses the most available limit, recommend which card to pay off first, and advise on considerations before applying for a rental, auto loan, or mortgage. Previously, ChatGPT Finances could already pull data on spending, bills, investments, and liabilities; this update adds personal credit records to its capabilities. However, the credit score displayed by ChatGPT is VantageScore 3.0 calculated based on Experian reports, and may not match the credit scores used by banks or mortgage lenders for actual approval. After users disconnect Experian, OpenAI states that underlying credit report data will be deleted within 30 days, but information already included in chat history or Financial Memories will not automatically be removed.
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Bitget PoolX: Locking BGBTC Unlocks 2,400 UNI Airdrop
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Paradigma open-sources a math-specialized model that achieves 94% on the AIME with only 1 billion parameters.
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