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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 07:11:53.393958+00","research_date":"2026-09-07","source_snapshot_sha256":"ccc54d90afdad253e976bf0420713a0c60668ab75781735ad1799a8c27b3e5ab","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Personal loan lender and loan product"},"schema_version":4,"summary":"SoFi is the consensus leader for borrowers seeking a $10,000-$20,000 unsecured personal loan to consolidate credit card debt, named by all seven AI platforms studied with an average listed rank of 2.43. Discover ranks second with a 100% platform mention rate but carries a material availability dispute: one platform reported Discover is no longer accepting new personal-loan applications, while six others described it as active. Upgrade ranks third as the strongest option for fair-to-average credit borrowers who value direct creditor payment. LightStream is the best no-fee alternative for…","target_buyer":"Borrowers seeking a $10,000 to $20,000 unsecured personal loan to consolidate multiple high-interest credit card balances","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Loan amount fit","APR and total borrowing cost","origination fees","repayment term options","soft-pull prequalification","direct creditor payment","funding speed"],"geography":"United States","slug":"best-debt-consolidation-loans-for-10-000-to-20-000-in-credit-card-debt","title":"Best Debt Consolidation Loans for $10,000 to $20,000 in Credit Card Debt","use_case":"$10,000-$20,000 Credit Card Debt Consolidation"}}