KJE.CreditAssessmentCalc=function(){this.CREDIT_MSG=["","Your credit needs improvement","Your credit is fair","Your credit is good",""];this.cats=[" ","Poor"," ","Fair"," ","Good"," "];this.CREDIT_DESC=["","Your credit rating needs improvement, you seem to have issues that could limit your ability to qualify for many loans.","A fair credit assessment usually means you will not have trouble qualifying for a loan, but you may not receive the best available erest rate.","A good credit assessment means you should be able to qualify, within the limits of your income, for most loans. You are also much more likely to receive the best interest rates available.",""];this._sAmountLabel=KJE.parameters.get("MSG_CREDIT_RATING","Credit Rating");this.CREDIT_MSG[1]=KJE.parameters.get("CREDIT_MSG1",this.CREDIT_MSG[1]);this.CREDIT_MSG[2]=KJE.parameters.get("CREDIT_MSG2",this.CREDIT_MSG[2]);this.CREDIT_MSG[3]=KJE.parameters.get("CREDIT_MSG3",this.CREDIT_MSG[3]);this.cats[1]=KJE.parameters.get("MSG_CAT1",this.cats[1]);this.cats[3]=KJE.parameters.get("MSG_CAT2",this.cats[3]);this.cats[5]=KJE.parameters.get("MSG_CAT3",this.cats[5]);this.CREDIT_DESC[1]=KJE.parameters.get("CREDIT_DESC1",this.CREDIT_DESC[1]);this.CREDIT_DESC[2]=KJE.parameters.get("CREDIT_DESC2",this.CREDIT_DESC[2]);this.CREDIT_DESC[3]=KJE.parameters.get("CREDIT_DESC3",this.CREDIT_DESC[3]);this.DS_RATING=KJE.FloatArray(1)};KJE.CreditAssessmentCalc.prototype.clear=function(){this.LOAN_PAYMENTS_30=0;this.LOAN_PAYMENTS_60=0;this.LOAN_PAYMENTS_90=0;this.MORTGAGE_PAYMENTS_30=0;this.MORTGAGE_PAYMENTS_60=0;this.MORTGAGE_PAYMENTS_90=0;this.BANKRUPTCY_LAST_TWO_YEARS=false;this.BANKRUPTCY_THREE_TO_SEVEN_YEARS=false;this.FORECLOSURE_LAST_TWO_YEARS=false;this.FORECLOSURE_THREE_TO_SEVEN_YEARS=false;this.OPEN_LIEN=false};KJE.CreditAssessmentCalc.prototype.calculate=function(m){var b=KJE;var j=this.LOAN_PAYMENTS_30;var h=this.LOAN_PAYMENTS_60;var f=this.LOAN_PAYMENTS_90;var k=this.MORTGAGE_PAYMENTS_30;var i=this.MORTGAGE_PAYMENTS_60;var g=this.MORTGAGE_PAYMENTS_90;var e=this.BANKRUPTCY_LAST_TWO_YEARS;var d=this.BANKRUPTCY_THREE_TO_SEVEN_YEARS;var c=this.FORECLOSURE_LAST_TWO_YEARS;var n=this.FORECLOSURE_THREE_TO_SEVEN_YEARS;var l=this.OPEN_LIEN;this.LOAN_LATE=j+h+f;this.MORTGAGE_LATE=k+i+g;this.FORCLOSURE=e||d||c||n||l;var a=3;if(k>0){a=2}if(h>0){a=2}if(j>1){a=2}if(d){a=2}if(n){a=2}if(j>1&&h>0){a=1}if(k>0&&h>0){a=1}if(k>0&&n){a=1}if(k>0&&d){a=1}if(n&&h>0){a=1}if(d&&h>0){a=1}if(n&&j>1){a=1}if(d&&j>1){a=1}if(d&&n){a=1}if(k>1||i>0||g>0||j>2||h>1||f>0||e||c||l){a=1}this.CREDIT_ASSESSMENT_MESSAGE=this.CREDIT_MSG[a];this.CREDIT_ASSESSMENT_DESCRIPTION=this.CREDIT_DESC[a];this.CREDIT_ASSESSMENT_NUMBER=a;this.DS_RATING[0]=a-0.5};KJE.CreditAssessmentCalc.prototype.formatReport=function(b){var c=KJE;var a=this.iDecimal;var d=b;d=KJE.replace("LOAN_PAYMENTS_30",c.number(this.LOAN_PAYMENTS_30),d);d=KJE.replace("LOAN_PAYMENTS_60",c.number(this.LOAN_PAYMENTS_60),d);d=KJE.replace("LOAN_PAYMENTS_90",c.number(this.LOAN_PAYMENTS_90),d);d=KJE.replace("MORTGAGE_PAYMENTS_30",c.number(this.MORTGAGE_PAYMENTS_30),d);d=KJE.replace("MORTGAGE_PAYMENTS_60",c.number(this.MORTGAGE_PAYMENTS_60),d);d=KJE.replace("MORTGAGE_PAYMENTS_90",c.number(this.MORTGAGE_PAYMENTS_90),d);d=KJE.replace("BANKRUPTCY_LAST_TWO_YEARS",c.yesno(this.BANKRUPTCY_LAST_TWO_YEARS),d);d=KJE.replace("BANKRUPTCY_THREE_TO_SEVEN_YEARS",c.yesno(this.BANKRUPTCY_THREE_TO_SEVEN_YEARS),d);d=KJE.replace("FORECLOSURE_LAST_TWO_YEARS",c.yesno(this.FORECLOSURE_LAST_TWO_YEARS),d);d=KJE.replace("FORECLOSURE_THREE_TO_SEVEN_YEARS",c.yesno(this.FORECLOSURE_THREE_TO_SEVEN_YEARS),d);d=KJE.replace("OPEN_LIEN",c.yesno(this.OPEN_LIEN),d);d=KJE.replace("CREDIT_ASSESSMENT_NUMBER",c.number(this.CREDIT_ASSESSMENT_NUMBER),d);d=KJE.replace("CREDIT_ASSESSMENT_MESSAGE",this.CREDIT_ASSESSMENT_MESSAGE,d);d=KJE.replace("CREDIT_ASSESSMENT_DESCRIPTION",this.CREDIT_ASSESSMENT_DESCRIPTION,d);return d};KJE.CreditAssessmentCalc.prototype.formatGraph=function(a,b){b[0].setTitle(this.CREDIT_ASSESSMENT_MESSAGE);b[0].setTitleGraph(this.CREDIT_ASSESSMENT_MESSAGE);b[0].show(true);b[0]._bPopDetail=false;b[0].paint()};KJE.CreditAssessmentCalc.prototype.getGraphTitle=function(a){if(a){return this.CREDIT_ASSESSMENT_MESSAGE+"
"+this.CREDIT_ASSESSMENT_DESCRIPTION+"
"}else{return this.CREDIT_MSG[3]+""+this.CREDIT_DESC[3]+"
"}};KJE.CalcName="Credit Assessment";KJE.CalcType="creditassessment";KJE.CalculatorTitleTemplate="Current credit assessment: KJE1";KJE.parseInputs=function(a){KJE.gColorList[0]=KJE.parameters.set("GRAPHCOLOR1","#FF0000");KJE.gColorList[1]=KJE.parameters.set("GRAPHCOLOR2","#FFFF00");KJE.gColorList[2]=KJE.parameters.set("GRAPHCOLOR3","#00FF00");return a};KJE.initialize=function(){KJE.CalcControl=new KJE.CreditAssessmentCalc();KJE.GuiControl=new KJE.CreditAssessment(KJE.CalcControl)};KJE.CreditAssessment=function(o){var h=KJE;var c=KJE.gLegend;var j=KJE.inputs.items;this.MSG_ASSESSMENT=KJE.parameters.get("MSG_ASSESSMENT","Assessment");this.sItemValues=new Array(1);this.sItemValues[0]=new Array(1);KJE.InputItem.AltHelpName="LOAN_PAYMENTS";KJE.NumberSlider("LOAN_PAYMENTS_30","Loan payments 30",0,20,0);KJE.NumberSlider("LOAN_PAYMENTS_60","Loan payments 60",0,20,0);KJE.NumberSlider("LOAN_PAYMENTS_90","Loan payments 90",0,20,0);KJE.InputItem.AltHelpName="MORTGAGE_PAYMENTS";KJE.NumberSlider("MORTGAGE_PAYMENTS_30","Mortgage payments 30",0,20,0);KJE.NumberSlider("MORTGAGE_PAYMENTS_60","Mortgage payments 60",0,20,0);KJE.NumberSlider("MORTGAGE_PAYMENTS_90","Mortgage payments 90",0,20,0);KJE.InputItem.AltHelpName=null;KJE.Radioboxes("BANKRUPTCY_LAST_TWO_YEARS","Bankruptcy last 2 years",false,KJE.MSG_YES,KJE.MSG_NO);KJE.Radioboxes("BANKRUPTCY_THREE_TO_SEVEN_YEARS","Bankruptcy 3 to 7 years",false,KJE.MSG_YES,KJE.MSG_NO);KJE.Radioboxes("FORECLOSURE_LAST_TWO_YEARS","Foreclosure last 2 years",false,KJE.MSG_YES,KJE.MSG_NO);KJE.Radioboxes("FORECLOSURE_THREE_TO_SEVEN_YEARS","Foreclosure 3 to 7 years",false,KJE.MSG_YES,KJE.MSG_NO);KJE.Radioboxes("OPEN_LIEN","Open liens",false,KJE.MSG_YES,KJE.MSG_NO);var k=KJE.gNewGraph(KJE.gCOLUMN,"GRAPH1",true,false,KJE.colorList[1],o.getGraphTitle());k._legend.setVisible(false);k._axisX.setVisible(false);k._axisY.setVisible(true);k._axisY._axisMaximum=3;k._axisY._bAutoMaximum=false;var b=KJE.parameters.get("MSG_DROPPER_TITLE","Consumer loan payments:");var e=KJE.parameters.get("MSG_DROPPER_CLOSETITLE","KJE1 late payments");var i=function(){return b+"|"+KJE.subText(KJE.getKJEReplaced(e,o.LOAN_LATE>0?h.number(o.LOAN_LATE):KJE.MSG_NO),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS",true,i,i),KJE.colorList[0]);var d=KJE.parameters.get("MSG_DROPPER_TITLE2","Mortgage and rent payments:");var g=KJE.parameters.get("MSG_DROPPER_CLOSETITLE2","KJE1 late payments");var n=function(){return d+"|"+KJE.subText(KJE.getKJEReplaced(g,o.MORTGAGE_LATE>0?h.number(o.MORTGAGE_LATE):KJE.MSG_NO),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS2",false,n,n),KJE.colorList[0]);var a=KJE.parameters.get("MSG_DROPPER_TITLE3","Bankruptcy, foreclosure or liens:");var f=KJE.parameters.get("MSG_DROPPER_CLOSETITLE3","KJE1 issues");var m=function(){return a+"|"+KJE.subText(KJE.getKJEReplaced(f,o.FORCLOSURE?KJE.MSG_YES:KJE.MSG_NO),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS3",false,m,m),KJE.colorList[0])};KJE.CreditAssessment.prototype.setValues=function(b){var a=KJE.inputs.items;b.LOAN_PAYMENTS_30=a.LOAN_PAYMENTS_30.getValue();b.LOAN_PAYMENTS_60=a.LOAN_PAYMENTS_60.getValue();b.LOAN_PAYMENTS_90=a.LOAN_PAYMENTS_90.getValue();b.MORTGAGE_PAYMENTS_30=a.MORTGAGE_PAYMENTS_30.getValue();b.MORTGAGE_PAYMENTS_60=a.MORTGAGE_PAYMENTS_60.getValue();b.MORTGAGE_PAYMENTS_90=a.MORTGAGE_PAYMENTS_90.getValue();b.BANKRUPTCY_LAST_TWO_YEARS=a.BANKRUPTCY_LAST_TWO_YEARS.getValue();b.BANKRUPTCY_THREE_TO_SEVEN_YEARS=a.BANKRUPTCY_THREE_TO_SEVEN_YEARS.getValue();b.FORECLOSURE_LAST_TWO_YEARS=a.FORECLOSURE_LAST_TWO_YEARS.getValue();b.FORECLOSURE_THREE_TO_SEVEN_YEARS=a.FORECLOSURE_THREE_TO_SEVEN_YEARS.getValue();b.OPEN_LIEN=a.OPEN_LIEN.getValue()};KJE.CreditAssessment.prototype.refresh=function(e){var d=KJE;var c=KJE.gLegend;var b=KJE.inputs.items;var a=KJE.gGraphs[0];KJE.setTitleTemplate(e.CREDIT_ASSESSMENT_MESSAGE);a.removeAll();a._sValueLabels=e.cats;for(var f=0;fInput information:
**GRAPH1** ';KJE.DefinitionText=" Credit assessmentYour credit is calculated as 'Good', 'Fair' or 'Needs Improvement'. A good credit assessment means you should be able to qualify, within the limits of your income, for most loans. You are also much more likely to receive the best interest rates available. If your credit is fair, you will probably not have trouble qualifying for a loan, but you may not receive the best available interest rate. If your credit rating needs improvement, you may have issues that could limit your ability to qualify for many loans. Consumer loan paymentsEnter the number of late consumer loan payments you have had in the last two years. Consumer loan payments include car loans, student loans, and credit cards. Mortgage or rent paymentsEnter the number of late mortgage or rent payments in the last two years. Mortgage and rent payments include the following types of payments: mortgage, rent, equity line and second mortgage payments. Bankruptcy last two yearsIf you or any of your co-borrowers filed for bankruptcy within the last two years, mark this entry as 'Yes'. Bankruptcy three to seven yearsIf you or any of your co-borrowers filed for bankruptcy within the last seven years, mark this entry as 'Yes'. Foreclosure last two yearsIf you or any of your co-borrowers had a property sold under foreclosure within the last two years, mark this entry as 'Yes'. Foreclosure three to seven yearsIf you or any of your co-borrowers had a property sold under foreclosure within the last seven years, mark this entry as 'Yes'. Open lienIf you or any co-borrowers have open collection items, charge-offs, judgments, or liens mark this entry as 'Yes'. ";KJE.ReportText=' CREDIT_ASSESSMENT_DESCRIPTION**GRAPH**
Consumer loans | LOAN_PAYMENTS_30 | LOAN_PAYMENTS_60 | LOAN_PAYMENTS_90 |
Mortgage or rent | MORTGAGE_PAYMENTS_30 | MORTGAGE_PAYMENTS_60 | MORTGAGE_PAYMENTS_90 |
Bankruptcy last two years? | BANKRUPTCY_LAST_TWO_YEARS |
Bankruptcy three to seven years? | BANKRUPTCY_THREE_TO_SEVEN_YEARS |
Foreclosure last two years? | FORECLOSURE_LAST_TWO_YEARS |
Foreclosure three to seven years? | FORECLOSURE_THREE_TO_SEVEN_YEARS |
Open lien | OPEN_LIEN |
---|
';