AI is a very unreliable source of informafion. It tends to hallucinate (make things up) when it doesn't know the answer.
I know for a fact I got car loan as LPR with lowest rate advertised by dealership at the time. Also, my credit cards typically got lower APR than my USC spouse because I got higher income and excellent payment history.
Where, however USC spouse got better rate, was mortgage. But the reason for that was, spouse's credit history was twice as long as mine. And I got more credit inquiries due to applying for cards / loans.
I'll keep this remark by SSA employee this in mind though. Just never came across this as a factor, and I'm really into finance as a hobby for the past 7 years.