```json
{
	"yes": ["<100", "500<=X<1000", ">=1000", "100<=X<500"], 
	"no": ["no known savings"]
}
```
In the given dataset, individuals who have savings in the range of "<100", "500<=X<1000", ">=1000", or "100<=X<500" are more likely to receive credit, as they are included in the "yes" category. On the other hand, individuals with "no known savings" are less likely to receive credit, as they are included in the "no" category.