Credit Scoring Model
Understand how financial factors contribute to your credit score.
---
---
Score Factor Analysis
Contribution to Score
How each category's weight impacts the overall score.
${scoreCategory}
`; const gaugeCtx = document.getElementById('scoreGaugeChart').getContext('2d'); if(scoreGaugeChart) scoreGaugeChart.destroy(); scoreGaugeChart = new Chart(gaugeCtx, { type: 'doughnut', data: { datasets: [{ data: [finalScore - 300, 850 - finalScore], backgroundColor: [scoreColor, '#e2e8f0'], borderWidth: 0, }] }, options: { rotation: -90, circumference: 180, cutout: '70%', responsive: true, plugins: { legend: { display: false }, tooltip: { enabled: false } } } }); // Factor Analysis document.getElementById('factor-analysis-list').innerHTML = Object.keys(subScores).map(key => { const score = subScores[key]; let impactClass = score > 70 ? 'text-green-600 bg-green-100' : (score > 40 ? 'text-amber-600 bg-amber-100' : 'text-red-600 bg-red-100'); let impactText = score > 70 ? 'Positive' : (score > 40 ? 'Neutral' : 'Negative'); return `
${factorLabels[key]}
${impactText} Impact
`;
}).join('');
// Contribution Chart
const contributionCtx = document.getElementById('contributionChart').getContext('2d');
if(contributionChart) contributionChart.destroy();
contributionChart = new Chart(contributionCtx, {
type: 'pie',
data: {
labels: weightedContributions.map(c => c.label),
datasets: [{
data: weightedContributions.map(c => appData.weights[Object.keys(factorLabels).find(key => factorLabels[key] === c.label)]),
backgroundColor: ['#4338ca', '#6366f1', '#818cf8', '#a5b4fc', '#c7d2fe'],
}]
},
options: { responsive: true, plugins: { legend: { position: 'right' } } }
});
}
// --- EVENT HANDLING ---
document.getElementById('profile-form').addEventListener('input', e => {
appData.profile[e.target.id.replace('-', '')] = parseFloat(e.target.value) || 0;
updateDashboard();
});
document.getElementById('weights-form').addEventListener('input', e => {
const updatedKey = e.target.dataset.key;
const newValue = parseInt(e.target.value);
const oldValue = appData.weights[updatedKey];
const diff = newValue - oldValue;
appData.weights[updatedKey] = newValue;
// Auto-adjust other weights
let total = Object.values(appData.weights).reduce((a, b) => a + b, 0);
if (total !== 100) {
const otherKeys = Object.keys(appData.weights).filter(k => k !== updatedKey);
let remainder = 100 - newValue;
let currentOtherTotal = total - newValue;
otherKeys.forEach(key => {
const proportion = appData.weights[key] / currentOtherTotal;
appData.weights[key] = Math.round(proportion * remainder);
});
// Final check to ensure it sums to 100 due to rounding
total = Object.values(appData.weights).reduce((a, b) => a + b, 0);
if (total !== 100) {
appData.weights[otherKeys[0]] += (100 - total);
}
}
Object.keys(appData.weights).forEach(key => {
document.getElementById(`weight-${key}`).value = appData.weights[key];
document.getElementById(`weight-val-${key}`).textContent = `${appData.weights[key]}%`;
});
document.getElementById('total-weight-display').textContent = `Total Weight: ${Object.values(appData.weights).reduce((a,b)=>a+b, 0)}%`;
updateDashboard();
});
// --- PDF GENERATION ---
document.getElementById('download-pdf-btn').addEventListener('click', () => {
const { finalScore, subScores } = calculateCreditScore();
const doc = new jsPDF();
let cursorY = 20;
doc.setFontSize(22); doc.setFontStyle('bold'); doc.setTextColor('#312e81');
doc.text('Confidential Credit Score Report', 105, cursorY, { align: 'center' });
cursorY += 15;
doc.addImage(scoreGaugeChart.toBase64Image('image/png', 1.0), 'PNG', 75, cursorY, 60, 35);
cursorY += 25;
const scoreText = document.getElementById('score-text').innerText.split('\n');
doc.setFontSize(36); doc.text(scoreText[0], 105, cursorY, { align: 'center' });
cursorY += 10;
doc.setFontSize(14); doc.text(scoreText[1], 105, cursorY, { align: 'center' });
cursorY += 20;
doc.setFontSize(16); doc.setTextColor('#111827'); doc.text('Credit Factor Breakdown', 14, cursorY);
cursorY += 8;
const tableBody = Object.keys(subScores).map(key => {
let impact = subScores[key] > 70 ? 'Positive' : (subScores[key] > 40 ? 'Neutral' : 'Negative');
return [factorLabels[key], `${appData.weights[key]}%`, impact];
});
doc.autoTable({
startY: cursorY,
head: [['Factor', 'Model Weight', 'Impact']],
body: tableBody,
theme: 'grid', headStyles: { fillColor: '#4f46e5' }
});
cursorY = doc.autoTable.previous.finalY + 15;
doc.setFontSize(12); doc.setTextColor('#64748b');
doc.text('This report is a simulation based on a generalized credit scoring model. Actual scores from bureaus may vary.', 105, cursorY, { align: 'center', maxWidth: 180 });
doc.save('Credit-Score-Report.pdf');
});
// --- INITIALIZATION ---
function runAllUpdates() {
renderWeightsForm();
updateDashboard();
}
runAllUpdates();
setActiveTab('dashboard');
});