{"buyer_scenarios":[{"fit":"best_suited","scenario":"Annual fee: Anthropic reported $95 (Prestige) and $99 (Select), citing First Progress's pricing page . All other platforms reported $39–$49. This is a material conflict that changes first-year cost by $46–$50."},{"fit":"best_suited","scenario":"Program fee: Deepseek reported a $44 one-time program fee for the Prestige and a first-year annual fee waiver . No other source confirmed this."},{"fit":"best_suited","scenario":"APR: Ranges from 13.49% to 25.99% depending on source and tier. The actual rate depends on individual creditworthiness."},{"fit":"best_suited","scenario":"Expedited card delivery: Deepseek reported up to $30 optional rush delivery ; grok reported $19.95 ; google reported a $9.95 premium card design fee . These may be different optional services."}],"citations":{"source_mix":{"company_owned":4,"independent":17,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":9},"total_sources":22,"unique_domain_count":17},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit-Building Products After Bankruptcy","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Credit Building After Bankruptcy","subject":"First Progress","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"First Progress","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-08","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"First Progress","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-08","platform_support":["openai","deepseek","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"First Progress","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"First Progress","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-08","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"First Progress","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"First Progress","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/credit-building-after-bankruptcy/first-progress.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/credit-building-after-bankruptcy/first-progress","report_type":"fit_review","study_id":"CCI-STUDY-935219CDCC73","title":"First Progress for Credit-Building Products After Bankruptcy Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus 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Bankruptcy","section_id":"the-product-model-plan-or-service-most-relevant-to-credit-building-after-bankruptcy"},{"id":"question-002","question":"How do the two secured card tiers differ in fees and interest rates?","section":"The Product, Model, Plan, or Service Most Relevant to Credit Building After Bankruptcy","section_id":"the-product-model-plan-or-service-most-relevant-to-credit-building-after-bankruptcy"},{"id":"question-003","question":"What deposit is required and how does it relate to the credit limit?","section":"The Product, Model, Plan, or Service Most Relevant to Credit Building After Bankruptcy","section_id":"the-product-model-plan-or-service-most-relevant-to-credit-building-after-bankruptcy"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-004","question":"What core strengths did platforms consistently identify for First Progress?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"id":"question-005","question":"Did platforms agree on the main drawbacks?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"id":"question-006","question":"How strong was the consensus on bureau reporting and bankruptcy acceptance?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"id":"question-007","question":"Why did platforms give different fit ratings for the same product?","section":"Where the AI Platforms Disagreed or Were Uncertain","section_id":"where-the-ai-platforms-disagreed-or-were-uncertain"},{"id":"question-008","question":"What specific pricing and fee conflicts exist between sources?","section":"Where the AI Platforms Disagreed or Were Uncertain","section_id":"where-the-ai-platforms-disagreed-or-were-uncertain"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-009","question":"Which claims about First Progress remain unverified?","section":"Where the AI Platforms Disagreed or Were Uncertain","section_id":"where-the-ai-platforms-disagreed-or-were-uncertain"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-010","question":"What specific features make First Progress useful for post-bankruptcy rebuilding?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"id":"question-011","question":"Are there any rewards or incentives that reduce the cost burden?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"id":"question-012","question":"How does the deposit structure affect credit utilization?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-013","question":"What are the known costs of the First Progress secured cards?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"id":"question-014","question":"Which fees remain uncertain or disputed across sources?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"id":"question-015","question":"What happens to the deposit and annual fee when the account is closed?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-016","question":"Which types of post-bankruptcy consumers should consider First Progress?","section":"Best Suited For","section_id":"best-suited-for"},{"id":"question-017","question":"What behavioral profile makes the annual fee worthwhile?","section":"Best Suited For","section_id":"best-suited-for"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-018","question":"Which consumers should avoid First Progress?","section":"Probably Not Best Suited For","section_id":"probably-not-best-suited-for"},{"id":"question-019","question":"What specific cost or structural features make it a poor fit for certain profiles?","section":"Probably Not Best Suited For","section_id":"probably-not-best-suited-for"},{"id":"question-020","question":"Which specific competitor cards offer better value for post-bankruptcy rebuilders?","section":"When Another Option May Be Better","section_id":"when-another-option-may-be-better"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007"],"entities":["First Progress"],"id":"question-021","question":"Under what circumstances should a buyer choose a competitor over First Progress?","section":"When Another Option May Be Better","section_id":"when-another-option-may-be-better"}],"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Credit-building product and provider"},"schema_version":4,"summary":"First Progress is a conditional fit for Credit Building After Bankruptcy. Four of seven platforms named it during ranking discovery, and fit ratings split across the spectrum: one \"strong,\" three \"good,\" two \"mixed,\" and one \"weak.\" The strongest reason to consider First Progress is its accessibility—platforms report no minimum credit score requirement, no hard credit pull for application, and acceptance of discharged bankruptcies, combined with monthly reporting to all three major credit bureaus. The main limitation is cost: annual fees of $39–$99 (depending on the card and source) with no…","target_buyer":"Consumers who have completed bankruptcy and want to rebuild responsibly with accessible products that create positive payment history without excessive cost or debt","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Post-bankruptcy eligibility","credit bureau reporting","total fees and interest","payment affordability","debt risk","product accessibility","long-term rebuilding value"],"geography":"United States","slug":"best-credit-building-products-after-bankruptcy","title":"Best Credit-Building Products After Bankruptcy","use_case":"Credit Building After Bankruptcy"}}