Rule 13 with 8.89 for class 1 with likelihood 80.48%: -1.08 < ExternalRiskEstimate < 68.62 ∧ 15.07 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 1.50
Rule 20 with 7.59 for class 1 with likelihood 69.31%: ExternalRiskEstimate < 89.25 ∧ 13.71 < PercentTradesNeverDelq < 85.13 ∧ MSinceMostRecentDelq < 42.10 ∧ -6.54 < MaxDelqEver ∧ -6.96 < MSinceMostRecentInqexcl7days < 21.56
Rule 21 with 6.41 for class 1 with likelihood 69.40%: 1.26 < ExternalRiskEstimate < 74.16 ∧ 22.84 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 0.91
Rule 7 with 5.90 for class 0 with likelihood 82.19%: MSinceMostRecentTradeOpen < 374.15 ∧ 76.42 < AverageMInFile < 345.17 ∧ 10.56 < NumSatisfactoryTrades ∧ -8.85 < NumTrades60Ever2DerogPubRec < 9.74 ∧ -8.86 < NumTrades90Ever2DerogPubRec < 16.33 ∧ -8.82 < NumTradesOpeninLast12M < 14.83 ∧ PercentInstallTrades < 89.69 ∧ -8.81 < NumInqLast6M < 44.96 ∧ -8.81 < NumInqLast6Mexcl7days < 44.97 ∧ -3.13 < NumRevolvingTradesWBalance < 27.49 ∧ -5.58 < NumBank2NatlTradesWHighUtilization < 0.39 ∧ -7.18 < PercentTradesWBalance
Rule 0 with 5.43 for class 0 with likelihood 78.12%: MSinceMostRecentTradeOpen < 374.69 ∧ 61.06 < AverageMInFile < 344.93 ∧ 23.32 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.24 ∧ NumTrades90Ever2DerogPubRec < 16.37 ∧ NumTradesOpeninLast12M < 14.79 ∧ -5.99 < PercentInstallTrades < 96.77 ∧ NumInqLast6M < 44.41 ∧ NumInqLast6Mexcl7days < 44.43 ∧ -2.92 < NumRevolvingTradesWBalance < 26.18 ∧ -8.97 < NumBank2NatlTradesWHighUtilization < 1.95 ∧ 5.49 < PercentTradesWBalance
Rule 15 with 5.07 for class 1 with likelihood 57.64%: -1.31 < ExternalRiskEstimate < 78.67 ∧ NumSatisfactoryTrades < 55.40 ∧ -7.92 < NumTrades60Ever2DerogPubRec ∧ -7.98 < NumTrades90Ever2DerogPubRec ∧ 23.92 < PercentTradesNeverDelq ∧ -6.26 < MaxDelqEver ∧ NumTotalTrades < 91.41 ∧ -7.68 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 0.36 ∧ -7.64 < NumInqLast6M ∧ -7.65 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 18.67
Rule 19 with 4.48 for class 1 with likelihood 57.88%: ExternalRiskEstimate < 71.65 ∧ MSinceMostRecentInqexcl7days < 20.99
Rule 16 with 4.22 for class 1 with likelihood 59.94%: ExternalRiskEstimate < 90.28 ∧ -6.90 < MSinceMostRecentInqexcl7days ∧ 49.87 < NetFractionRevolvingBurden
Rule 14 with 3.87 for class 1 with likelihood 60.57%: ExternalRiskEstimate < 70.49 ∧ 15.64 < PercentTradesNeverDelq ∧ MSinceMostRecentDelq < 82.42 ∧ -7.70 < MaxDelq2PublicRecLast12M < 8.26 ∧ -5.51 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 22.51
Rule 8 with 3.61 for class 0 with likelihood 72.53%: MSinceMostRecentTradeOpen < 373.62 ∧ 66.74 < AverageMInFile < 355.73 ∧ 9.31 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 11.35 ∧ NumTrades90Ever2DerogPubRec < 16.61 ∧ NumTradesOpeninLast12M < 14.60 ∧ PercentInstallTrades < 74.97 ∧ NumInqLast6M < 44.02 ∧ NumInqLast6Mexcl7days < 44.04 ∧ NumRevolvingTradesWBalance < 26.27 ∧ -5.17 < NumBank2NatlTradesWHighUtilization < 1.28
Rule 4 with 3.26 for class 0 with likelihood 73.12%: 48.54 < AverageMInFile < 355.41 ∧ PercentInstallTrades < 74.29 ∧ -5.19 < NumBank2NatlTradesWHighUtilization < 3.46 ∧ 9.05 < PercentTradesWBalance < 74.68
Rule 23 with 2.88 for class 1 with likelihood 55.74%: ExternalRiskEstimate < 68.11 ∧ MSinceMostRecentInqexcl7days < 18.70
Rule 6 with 2.66 for class 0 with likelihood 69.87%: 226.00 < MSinceOldestTradeOpen ∧ 75.41 < AverageMInFile < 349.20 ∧ 1.74 < PercentInstallTrades < 92.50 ∧ NumRevolvingTradesWBalance < 26.36 ∧ NumBank2NatlTradesWHighUtilization < 3.56 ∧ 13.02 < PercentTradesWBalance
Rule 18 with 2.63 for class 1 with likelihood 53.73%: ExternalRiskEstimate < 69.74 ∧ 16.67 < PercentTradesNeverDelq ∧ -5.65 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 20.25
Rule 3 with 2.58 for class 0 with likelihood 70.06%: 46.28 < AverageMInFile < 332.20 ∧ NumTrades60Ever2DerogPubRec < 11.27 ∧ PercentInstallTrades < 81.13 ∧ -5.20 < NumBank2NatlTradesWHighUtilization < 3.77 ∧ 14.73 < PercentTradesWBalance < 61.78
Rule 17 with 2.51 for class 1 with likelihood 51.22%: 3.99 < ExternalRiskEstimate < 71.79 ∧ 24.37 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 19.34
Rule 1 with 2.03 for class 0 with likelihood 68.55%: 71.39 < MSinceOldestTradeOpen ∧ 33.67 < AverageMInFile < 353.87 ∧ NumTradesOpeninLast12M < 15.37 ∧ -1.67 < PercentInstallTrades < 34.00 ∧ -5.62 < NumBank2NatlTradesWHighUtilization < 1.11 ∧ 15.97 < PercentTradesWBalance
Rule 10 with 1.94 for class 0 with likelihood 69.53%: 45.00 < AverageMInFile < 322.53 ∧ NumTrades60Ever2DerogPubRec < 13.38 ∧ PercentInstallTrades < 72.28 ∧ -4.72 < NumBank2NatlTradesWHighUtilization < 3.32 ∧ 6.19 < PercentTradesWBalance < 76.13
Rule 9 with 1.94 for class 0 with likelihood 69.15%: 36.23 < AverageMInFile < 357.06 ∧ NumTrades60Ever2DerogPubRec < 11.39 ∧ NumTradesOpeninLast12M < 15.02 ∧ PercentInstallTrades < 37.03 ∧ -5.09 < NumBank2NatlTradesWHighUtilization < 3.65 ∧ 15.89 < PercentTradesWBalance < 71.89
Rule 22 with 1.89 for class 0 with likelihood 50.85%: -0.18 < ExternalRiskEstimate < 71.71 ∧ 19.04 < PercentTradesNeverDelq ∧ -6.28 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 16.50
Rule 12 with 1.64 for class 0 with likelihood 53.91%: -6.39 < ExternalRiskEstimate < 81.26 ∧ -3.29 < PercentTradesNeverDelq ∧ -7.20 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 22.14 ∧ 42.70 < NetFractionRevolvingBurden
Rule 24 with 1.52 for class 0 with likelihood 53.38%: 4.60 < ExternalRiskEstimate < 68.92 ∧ 23.65 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 15.33
Rule 5 with 1.47 for class 0 with likelihood 67.78%: 62.53 < AverageMInFile < 354.06 ∧ 6.57 < PercentInstallTrades < 85.23 ∧ -4.78 < NumBank2NatlTradesWHighUtilization < 1.25 ∧ -5.26 < PercentTradesWBalance < 89.01
Rule 2 with 1.33 for class 0 with likelihood 66.02%: PercentInstallTrades < 81.14 ∧ -4.83 < NumBank2NatlTradesWHighUtilization < 6.26 ∧ 10.45 < PercentTradesWBalance < 66.61
Rule 11 with 1.00 for class 0 with likelihood 64.45%: 194.54 < MSinceOldestTradeOpen ∧ MSinceMostRecentTradeOpen < 372.87 ∧ 67.20 < AverageMInFile < 337.99 ∧ NumTrades60Ever2DerogPubRec < 13.46 ∧ NumTrades90Ever2DerogPubRec < 16.38 ∧ NumTradesOpeninLast12M < 14.93 ∧ 5.71 < PercentInstallTrades < 84.48 ∧ -8.50 < NumRevolvingTradesWBalance < 25.29 ∧ -6.21 < NumBank2NatlTradesWHighUtilization < 5.26 ∧ -7.07 < PercentTradesWBalance < 87.42
