Birdwatch Note
2023-04-23 23:10:02 UTC - MISINFORMED_OR_POTENTIALLY_MISLEADING
This graphic implies that a 620 credit score will get a better rate than a 740 score. That is not the case. While there is a greater decrease in rates, the actual LLPA rate remains higher overall for low scores. An 82% LTV purchase will be 1% for 740, but 2.875% for 620. https://www.mortgagenewsdaily.com/markets/mortgage-rates-04212023
Written by 1E720E04C788C0F61E22D1B571C3DED9D7F6B5BACF81F42CE4527ADB843A9AC5
Participant Details
Original Tweet
Tweet embedding is no longer reliably available, due to the platform's instability (in terms of both technology and policy). If the Tweet still exists, you can view it here: https://twitter.com/foo_bar/status/1649730013493882880
Please note, though, that you may need to have your own Twitter account to access that page. I am currently exploring options for archiving Tweet data in a post-API context.
All Information
- ID - 1650275869867511809
- noteId - 1650275869867511809
- participantId -
- noteAuthorParticipantId - 1E720E04C788C0F61E22D1B571C3DED9D7F6B5BACF81F42CE4527ADB843A9AC5 Participant Details
- createdAtMillis - 1682291402677
- tweetId - 1649730013493882880
- classification - MISINFORMED_OR_POTENTIALLY_MISLEADING
- believable -
- harmful -
- validationDifficulty -
- misleadingOther - 1
- misleadingFactualError - 1
- misleadingManipulatedMedia - 0
- misleadingOutdatedInformation - 1
- misleadingMissingImportantContext - 1
- misleadingUnverifiedClaimAsFact - 0
- misleadingSatire - 0
- notMisleadingOther - 0
- notMisleadingFactuallyCorrect - 0
- notMisleadingOutdatedButNotWhenWritten - 0
- notMisleadingClearlySatire - 0
- notMisleadingPersonalOpinion - 0
- trustworthySources - 1
- summary
- This graphic implies that a 620 credit score will get a better rate than a 740 score. That is not the case. While there is a greater decrease in rates, the actual LLPA rate remains higher overall for low scores. An 82% LTV purchase will be 1% for 740, but 2.875% for 620. https://www.mortgagenewsdaily.com/markets/mortgage-rates-04212023
Note Status History
| createdAt | timestampMillisOfFirstNonNMRStatus | firstNonNMRStatus | timestampMillisOfCurrentStatus | currentStatus | timestampMillisOfLatestNonNMRStatus | mostRecentNonNMRStatus | participantId |
| 2023-04-23 23:10:02 UTC (1682291402677) |
1969-12-31 23:59:59 UTC (-1) |
2023-05-06 02:42:24 UTC (1683340944665) |
NEEDS_MORE_RATINGS | 1969-12-31 23:59:59 UTC (-1) |
Note Ratings
| rated at | rated by | |
| 2023-04-23 22:58:19 -0500 | Rating Details | |
| 2023-04-23 22:58:19 -0500 | Rating Details |