{"citations":{"source_mix":{"company_owned":113,"independent":71,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":138,"partial":40},"total_sources":185,"unique_domain_count":62},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit Monitoring Services Before Applying for a Mortgage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"myFICO","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"myFICO","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Experian","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Experian","unit":"platforms","value":7},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-07","platform_support":["deepseek","google","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Credit Karma","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-07","platform_support":["deepseek","google","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Credit Karma","unit":"platforms","value":4},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Capital One","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Capital One","unit":"platforms","value":4},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"AnnualCreditReport.com","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"AnnualCreditReport.com","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Equifax","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Equifax","unit":"platforms","value":3},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"TransUnion","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"TransUnion","unit":"platforms","value":3},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-07","platform_support":["google","kimi"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Aura","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-07","platform_support":["google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aura","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Credit Sesame","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Credit Sesame","unit":"platforms","value":2},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-07","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Identity Guard","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-07","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Identity Guard","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.2857142857142856,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"myFICO","platform_mentions":7,"platform_share":1},{"average_rank":2.7142857142857144,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Experian","platform_mentions":7,"platform_share":1},{"average_rank":4.25,"best_rank":3,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Credit Karma","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":6.5,"best_rank":5,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Capital One","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":7,"best_rank":5,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"AnnualCreditReport.com","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5,"best_rank":2,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Equifax","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":6,"best_rank":3,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"TransUnion","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":4,"best_rank":3,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Aura","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":7,"best_rank":4,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Credit Sesame","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":7,"best_rank":6,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"Identity Guard","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-monitoring-scores/pre-mortgage-credit-monitoring.json","page_url":"https://creditconsensusindex.com/credit-monitoring-scores/pre-mortgage-credit-monitoring","report_type":"best_of_index","study_id":"CCI-STUDY-DE829E937EE2","title":"Best Credit Monitoring Services Before Applying for a Mortgage"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a completed review.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each fit review are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path."],"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 analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-07 05:52:42.377686+00","research_date":"2026-09-07","source_snapshot_sha256":"9dbff7cb2bb8196b7e635cc45fb46b6f722898a6f673f9a2c1fc56690f552e48","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Credit monitoring or credit score service and subscription plan"},"schema_version":4,"summary":"myFICO is the consensus leader for pre-mortgage credit monitoring, ranked #1 by all seven AI platforms studied (100% platform share) with an average listed position of 2.29. Its core advantage is access to mortgage-specific FICO score versions (FICO Score 2, 4, and 5) across all three bureaus—scores free VantageScore-based services cannot provide. Experian ranks #2 with equal 100% platform recognition, offering direct FICO Score 8 access and three-bureau coverage on paid plans. For distinct buyer needs: Credit Karma and Capital One CreditWise provide free monitoring supplements;…","target_buyer":"Prospective mortgage borrowers who want to monitor lender-relevant scores, reports, and material credit changes before applying for a home loan","topic":{"base_category":"Credit monitoring & scores","category_criteria":["Mortgage-relevant score access","three-bureau report coverage","score-model transparency","alert speed","update frequency","planning tools","subscription cost"],"geography":"United States","slug":"best-credit-monitoring-services-before-applying-for-a-mortgage","title":"Best Credit Monitoring Services Before Applying for a Mortgage","use_case":"Pre-Mortgage Credit Monitoring"}}