---
title: clsARPCreditFactor
summary: API reference for clsARPCreditFactor.
status: draft
owner: Technical Writer
last_reviewed: 2026-07-31
library: SAIF.Business.Policy.Rating
reference_type: package
---
# clsARPCreditFactor
Represents the assigned-risk-plan credit factor. The class wraps the NonRated rating-plan-factor lookup that supplies the assigned-risk-plan credit.
## Purpose
- Represents the assigned-risk-plan credit factor.
- The class wraps the NonRated rating-plan-factor lookup that supplies the assigned-risk-plan credit.
## Context
- Namespace: `SAIF.Business.Policy.Rating`
- Assembly/package: `SAIF.Business.Policy.Rating`
## Public members
| Member | Signature | Purpose |
| --- | --- | --- |
| RatingPlanFactor | `Public ReadOnly Property RatingPlanFactor() As clsRatingPlanFactor` | Lazily loads the `clsRatingPlanFactor` row for the `NonRated` plan on `AsOfDate`; its `UpperLimit` becomes the ARP credit when valid. |
| DPI | `Public ReadOnly Property DPI() As IDataPortalInfo` | Data-portal context used to retrieve the backing `clsRatingPlanFactor`. |
| IsValid | `Public ReadOnly Property IsValid() As Boolean` | Passes through the validity of the backing rating-plan factor. |
| ErrorMessages | `Public ReadOnly Property ErrorMessages() As String()` | Exposes any error messages reported by the backing rating-plan factor. |
| AsOfDate | `Public ReadOnly Property AsOfDate() As Date` | As-of date used to look up the assigned-risk-plan credit factor. |
| GetARPCreditFactor | `Public Shared Function GetARPCreditFactor(ByVal inDPI As IDataPortalInfo, ByVal inAsOfDate As Date) As clsARPCreditFactor` | Retrieves the assigned-risk-plan credit factor identified by the key values or effective-date criteria supplied by the caller. |
| Factor | `Public Property Factor(ByVal inAdjustedRateProvider As iAdjustedRateProvider) As Decimal Implements iAdjustedRateFactor.Factor` | Returns the backing rating-plan factor's `UpperLimit` when that row is valid; otherwise returns the neutral factor so the adjusted-rate product is unchanged. |
## Behavioral notes
- The wrapper delays `clsRatingPlanFactor` retrieval until a caller asks for the credit, then forwards validity and errors from that row.
## Constraints and usage notes
- Use the provider-aware `Factor(...)` member when composing rates; it already applies the validity fallback that keeps the product neutral.
## Sources
- `Business\SAIF.Business.Policy.Rating\clsARPCreditFactor.vb`