The suits at Equifax may have been out for popcorn when Uncle Ben Parker's dying words were spoken to Peter Parker (aka Spider-Man). There's no question about the power possessed by Equifax, the credit reporting behemoth, and some of its kin, such as Experian and TransUnion. The responsibility part is, well, a bit more questionable. By now we all know about the mother of all hacks at Equifax that exposed sensitive personal information on the millions of people in the corporation's data base.
Last week, a mortgage wholesaler came out with a program that touts credit scores as low as 500 on loans slated for FHA insurance, VA guarantee, and for sale to Fannie Mae and Freddie Mac, the massive conduits that package into mortgage backed securities almost all of the home loans produced in the U.S.As just about everybody knows, that's a very low credit score. Currently, other lenders are holding the line at a 620 score for borrowers.
You may have seen the ads that promote, say, a 4 or 4 1/2 rate on a short term certificate of deposit insured by the FDIC. It's particularly puzzling, because you just checked, and maybe 1 percent was the best you could get at your bank. Wow! So, how can a bank do that? Well, the answer is, it can't. Or, accurately, it won't. The company that placed the ad is using an old but very successful marketing ploy. Offering a gift to get a potential customer to listen to a sales pitch.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".