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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":"2026-09-04 10:34:55.901244+00","research_date":"2026-09-04","source_snapshot_sha256":"59df5ebf15dd81b86f0013e3f860dde6c809f8e581ace075fe7e7aa1bffbd264","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":10,"ranking_unit":"Personal loan lender and loan product"},"schema_version":4,"summary":"For borrowers with credit scores of 660–699 seeking an unsecured debt consolidation loan, the AI platforms studied show no single consensus winner. Happen Bank received the most ranking-stage mentions (6 of 7 platforms, 85.7%) but carried the weakest average rank (5.0) and the most unresolved factual conflicts, including disputed APR floors, origination fee caps, and whether the entity is a direct lender or marketplace label. Discover earned the strongest average listed position (1.2) among the five platforms that named it, supported by unanimous agreement on its zero-origination-fee…","target_buyer":"Borrowers with credit scores from 660 to 699 seeking an unsecured loan to consolidate high-interest credit card debt","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Eligibility for 660-699 credit","APR and total borrowing cost","origination fees","loan amount range","repayment terms","soft-pull prequalification","funding speed"],"geography":"United States","slug":"best-debt-consolidation-loans-for-a-660-699-credit-score","title":"Best Debt Consolidation Loans for a 660–699 Credit Score","use_case":"Debt Consolidation With a 660-699 Credit Score"}}