OpenAI integrates credit-score tracking into ChatGPT

OpenAI has introduced a credit-score tracking feature within ChatGPT, allowing US Plus and Pro subscribers to link Experian credit reports and VantageScore 3.0 scores directly to their chat history. Located in the ChatGPT Finances section, the tool provides personalized insights into financial goals and sends alerts regarding score changes.

This rollout coincided with the launch of a new Privacy Center, a dashboard designed to manage memory, connected apps, and account security for all signed-in users. The integration of sensitive financial data comes amid increased scrutiny from regulators and privacy advocates regarding how AI companies manage personal information.

Recent assessments highlight the complexity of AI data governance, noting that privacy policies for leading large language models take an average of over 20 minutes to read. Some platforms, such as Meta’s Muse Spark, feature policies exceeding 14,000 words, which critics argue may prioritize legal defensibility over user comprehension.