ÿþ<HTML> <HEAD> <TITLE>Credit Assessment</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <SCRIPT LANGUAGE="JavaScript"> <!-- function doLeave() { //alert("leave the applet focus"); document.calcsubmit.btnCallCalc.focus(); } function showbuttons() { var agt = navigator.userAgent.toLowerCase(); var IEMAC = ((agt.indexOf("msie") != -1) && agt.indexOf("mac")!=-1); var N6 = (agt.indexOf("netscape6") != -1 || (agt.indexOf("netscape/6") !=-1 )); if ( N6 ) { return "Netscape 6 is unable to support our detailed reports. Please upgrade to Nescape 7 or higher.<P>"; } if ( IEMAC ) { return "<P>"; } return "<P><FORM name=calcsubmit><INPUT TYPE='button' value='Calculate' Name='btnCallCalc' onClick='document.calculator.calculate()'><INPUT TYPE='button' value='View Report' Name='btnOpenNote' onClick='openNote()'></FORM>"; } function openNote() { var agt=navigator.userAgent.toLowerCase(); var is_aol = (agt.indexOf("aol") != -1); leftpos=0; if (screen) { leftpos=screen.width/2 - 300; } if (is_aol) { var s = " "; s=document.calculator.sJavaScriptReport('HTML'); document.write(s); } else { var OpenWindow=window.open("","newwin","toolbar=yes,menubar=yes,location=no,directories=no,status=no,scrollbars=yes,resizable=yes,copyhistory=no,width=600,height="+(screen.height-120)+",left="+leftpos+",top=5"); var s = " "; s=document.calculator.sJavaScriptReport('HTML'); OpenWindow.document.write(s); OpenWindow.document.close(); OpenWindow.focus(); } } // --> </Script> <BODY bgcolor="#FFFFFF" LINK="#003399" VLINK="#666666" BGCOLOR="#FFFFFF"> <!-- \Title\ --> <P><CENTER><table border=0 bgcolor="#000000" width=468 cellspacing=1 cellpadding=0><tr><td width="100%"><table bgcolor="#FFFFDD" border=0 width=468 cellspacing=1 cellpadding=5><tr><td width="100%" align=center valign=middle><DIV class=large><a href="index.html" STYLE="text-decoration: none">100 Free Tax, Debt and Financial Calculators</a></DIV></td></tr></table></TD></TR></TABLE></CENTER> <!-- \Main Area\ --> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Credit Assessment</H1><P>Use this calculator to assess your credit. After entering your information, your credit is assessed as 'Good', 'Fair' or 'Needs Improvement'. Press the report button for more information about what this assessment means to you. <P> <CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="400" width="565"><param name="code" value="CreditAssessment" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="CreditAssessment.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar"><![endif]> <PARAM name="LOAN_PAYMENTS_30" value="0"> <PARAM name="LOAN_PAYMENTS_60" value="0"> <PARAM name="LOAN_PAYMENTS_90" value="0"> <PARAM name="MORTGAGE_PAYMENTS_30" value="0"> <PARAM name="MORTGAGE_PAYMENTS_60" value="0"> <PARAM name="MORTGAGE_PAYMENTS_90" value="0"> <PARAM name="BANKRUPTCY_LAST_TWO_YEARS" value="0"> <PARAM name="BANKRUPTCY_THREE_TO_SEVEN_YEARS" value="0"> <PARAM name="FORECLOSURE_LAST_TWO_YEARS" value="0"> <PARAM name="FORECLOSURE_THREE_TO_SEVEN_YEARS" value="0"> <PARAM name="OPEN_LIEN" value="0"> <PARAM name="GRAPHCOLOR3" value="00FF00"> <PARAM name="GRAPHCOLOR2" value="FFFF00"> <PARAM name="GRAPHCOLOR1" value="FF0000"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Credit Assessment</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Credit Assessment: CREDIT_ASSESSMENT_MESSAGE</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>Summary</H1>CREDIT_ASSESSMENT_DESCRIPTION<P>**GRAPH**<P> <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD COLSPAN=4><CENTER><B>Your Credit Assessment Inputs</B></CENTER></TD></TR> <TR><TD><b>Late payments</b></TD><TD><B><CENTER>30 to 59 days</CENTER></B></TD><TD><B><CENTER>60 to 89 days</CENTER></B></TD><TD><B><CENTER>more than 90 days</CENTER></B></TD></TR> <TR><TD><b>Consumer loans</b></TD> <TD><CENTER>LOAN_PAYMENTS_30</CENTER></TD> <TD><CENTER>LOAN_PAYMENTS_60</CENTER></TD> <TD><CENTER>LOAN_PAYMENTS_90</CENTER></TD></TR> <TR><TD><b>Mortgage or rent</b></TD> <TD><CENTER>MORTGAGE_PAYMENTS_30</CENTER></TD> <TD><CENTER>MORTGAGE_PAYMENTS_60</CENTER></TD> <TD><CENTER>MORTGAGE_PAYMENTS_90</CENTER></TD> </TR> <TR><TD><b>Bankruptcy last two years? </b> </TD><TD COLSPAN=3> BANKRUPTCY_LAST_TWO_YEARS </TD></TR> <TR><TD><b>Bankruptcy three to seven years? </b> </TD><TD COLSPAN=3> BANKRUPTCY_THREE_TO_SEVEN_YEARS </TD></TR> <TR><TD><b>Foreclosure last two years? </b> </TD><TD COLSPAN=3> FORECLOSURE_LAST_TWO_YEARS </TD></TR> <TR><TD><b>Foreclosure three to seven years? </b> </TD><TD COLSPAN=3> FORECLOSURE_THREE_TO_SEVEN_YEARS </TD></TR> <TR><TD><b>Open lien </b> </TD><TD COLSPAN=3> OPEN_LIEN </TD></TR> </TABLE></TD></TR></TABLE></CENTER> <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Credit assessment</B><DD> Your 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.<P> <DT><B>Consumer loan payments</B><DD>Enter 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.<P> <DT><B>Mortgage or rent payments</B><DD>Enter 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.<P> <DT><B>Bankruptcy last two years</B><DD>If you or any of your co-borrowers filed for bankruptcy within the last two years, mark this entry as "Yes".<P> <DT><B>Bankruptcy three to seven years</B><DD>If you or any of your co-borrowers filed for bankruptcy within the last seven years, mark this entry as "Yes".<P> <DT><B>Foreclosure last two years</B><DD>If you or any of your co-borrowers had a property sold under foreclosure within the last two years, mark this entry as "Yes".<P> <DT><B>Foreclosure three to seven years</B><DD>If you or any of your co-borrowers had a property sold under foreclosure within the last seven years, mark this entry as "Yes".<P> <DT><B>Open lien</B><DD>If you or any co-borrowers have open collection items, charge-offs, judgments, or liens mark this entry as "Yes". <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>