{"citations":{"source_mix":{"company_owned":23,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":4},"total_sources":33,"unique_domain_count":21},"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"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Credit Sesame","unit":"rank","value":9},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Credit Sesame","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-07","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Credit Sesame","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-07","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Credit Sesame","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-07","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Credit Sesame","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Credit Sesame","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-monitoring-scores/pre-mortgage-credit-monitoring/credit-sesame.json","page_url":"https://creditconsensusindex.com/credit-monitoring-scores/pre-mortgage-credit-monitoring/credit-sesame","report_type":"fit_review","study_id":"CCI-STUDY-1AA529139A98","title":"Credit Sesame for Credit Monitoring Services Before Applying for a Mortgage 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 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 05:50:56.917193+00","research_date":"2026-09-07","source_snapshot_sha256":"00cb713ed9e2f946484d1ce6a76ce98e180c23720f340a6060aa485f938e3d6c","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":"Credit Sesame is a mixed-to-weak fit for Pre-Mortgage Credit Monitoring. Two of seven AI platforms named Credit Sesame during the ranking stage (anthropic and deepseek), giving it a 29% platform share with an average listed rank of 7.0 and a best rank of 4. The strongest reason to consider it is its affordable three-bureau monitoring and alert coverage on paid tiers, which can help borrowers detect material credit changes before applying. The main limitation is unanimous across platforms: Credit Sesame provides VantageScore 3.0, not the FICO mortgage scores (FICO 2, 4, and 5) that most…","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"}}