Rule 15 with 7.56 for class 1 with likelihood 73.35%: ExternalRiskEstimate < 90.78 ∧ 11.46 < PercentTradesNeverDelq < 85.40 ∧ MSinceMostRecentDelq < 70.29 ∧ -7.14 < MaxDelqEver ∧ -7.30 < MSinceMostRecentInqexcl7days < 22.33
Rule 16 with 7.36 for class 1 with likelihood 80.30%: ExternalRiskEstimate < 68.03 ∧ 10.02 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 1.28
Rule 14 with 6.20 for class 1 with likelihood 72.38%: ExternalRiskEstimate < 71.39 ∧ 14.46 < PercentTradesNeverDelq ∧ MSinceMostRecentDelq < 63.56 ∧ -6.29 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 1.79
Rule 6 with 5.65 for class 0 with likelihood 80.98%: MSinceMostRecentTradeOpen < 369.71 ∧ 78.35 < AverageMInFile < 354.50 ∧ 11.23 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.37 ∧ NumTrades90Ever2DerogPubRec < 15.53 ∧ NumTradesOpeninLast12M < 10.12 ∧ PercentInstallTrades < 90.87 ∧ NumInqLast6M < 63.47 ∧ NumInqLast6Mexcl7days < 63.50 ∧ -3.37 < NumRevolvingTradesWBalance < 26.84 ∧ NumBank2NatlTradesWHighUtilization < 0.82
Rule 4 with 4.86 for class 0 with likelihood 76.97%: 65.66 < AverageMInFile < 366.17 ∧ -5.69 < PercentInstallTrades < 79.87 ∧ -5.45 < NumBank2NatlTradesWHighUtilization < 0.62
Rule 12 with 4.61 for class 1 with likelihood 63.76%: ExternalRiskEstimate < 89.10 ∧ MSinceMostRecentInqexcl7days < 18.16 ∧ 50.52 < NetFractionRevolvingBurden
Rule 10 with 4.31 for class 1 with likelihood 66.09%: ExternalRiskEstimate < 69.21 ∧ 15.07 < PercentTradesNeverDelq ∧ -5.91 < MaxDelqEver
Rule 11 with 3.91 for class 1 with likelihood 57.55%: ExternalRiskEstimate < 75.67
Rule 5 with 3.44 for class 0 with likelihood 70.56%: MSinceMostRecentTradeOpen < 376.62 ∧ 57.87 < AverageMInFile < 365.79 ∧ 10.41 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.33 ∧ NumTrades90Ever2DerogPubRec < 15.39 ∧ NumTradesOpeninLast12M < 9.58 ∧ -4.97 < PercentInstallTrades < 84.22 ∧ NumInqLast6M < 63.12 ∧ NumInqLast6Mexcl7days < 63.15 ∧ -7.15 < NumRevolvingTradesWBalance < 26.29 ∧ -4.12 < NumBank2NatlTradesWHighUtilization < 2.56 ∧ PercentTradesWBalance < 84.21
Rule 3 with 2.93 for class 0 with likelihood 70.76%: 61.79 < AverageMInFile < 367.08 ∧ NumTrades60Ever2DerogPubRec < 9.74 ∧ NumTrades90Ever2DerogPubRec < 15.49 ∧ NumTradesOpeninLast12M < 10.71 ∧ PercentInstallTrades < 78.16 ∧ NumInqLast6M < 63.31 ∧ NumInqLast6Mexcl7days < 63.34 ∧ -7.46 < NumRevolvingTradesWBalance < 26.82 ∧ -4.33 < NumBank2NatlTradesWHighUtilization < 1.70 ∧ -2.53 < PercentTradesWBalance < 82.26
Rule 0 with 2.84 for class 0 with likelihood 71.57%: 50.54 < AverageMInFile < 361.63 ∧ PercentInstallTrades < 82.84 ∧ -4.57 < NumBank2NatlTradesWHighUtilization < 3.93 ∧ 8.23 < PercentTradesWBalance < 65.29
Rule 19 with 2.66 for class 1 with likelihood 55.54%: ExternalRiskEstimate < 75.29 ∧ 6.55 < PercentTradesNeverDelq ∧ -6.95 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.73
Rule 18 with 2.50 for class 1 with likelihood 55.05%: ExternalRiskEstimate < 76.32 ∧ 16.65 < PercentTradesNeverDelq ∧ MSinceMostRecentDelq < 48.30 ∧ -6.14 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 10.69
Rule 13 with 2.41 for class 1 with likelihood 50.03%: ExternalRiskEstimate < 78.92 ∧ MSinceMostRecentInqexcl7days < 21.46
Rule 9 with 2.30 for class 0 with likelihood 67.27%: 204.63 < MSinceOldestTradeOpen ∧ 74.81 < AverageMInFile < 353.10 ∧ 4.83 < PercentInstallTrades < 89.96 ∧ NumBank2NatlTradesWHighUtilization < 3.42 ∧ -7.93 < PercentTradesWBalance
Rule 7 with 2.23 for class 0 with likelihood 67.40%: 90.83 < MSinceOldestTradeOpen ∧ 35.31 < AverageMInFile < 365.99 ∧ -2.75 < PercentInstallTrades < 61.67 ∧ -4.96 < NumBank2NatlTradesWHighUtilization < 3.19 ∧ PercentTradesWBalance < 68.91
Rule 2 with 1.95 for class 0 with likelihood 64.37%: PercentInstallTrades < 83.95 ∧ -4.81 < NumBank2NatlTradesWHighUtilization < 15.57 ∧ PercentTradesWBalance < 64.52
Rule 17 with 1.24 for class 0 with likelihood 50.34%: -7.30 < ExternalRiskEstimate < 73.30 ∧ -4.17 < PercentTradesNeverDelq ∧ 22.69 < NetFractionRevolvingBurden
Rule 1 with 1.03 for class 0 with likelihood 60.94%: 90.14 < MSinceOldestTradeOpen ∧ 60.59 < AverageMInFile < 352.71 ∧ 5.64 < PercentInstallTrades < 84.29 ∧ -4.60 < NumBank2NatlTradesWHighUtilization < 3.47 ∧ PercentTradesWBalance < 81.57
Rule 8 with 1.00 for class 0 with likelihood 62.89%: 105.23 < MSinceOldestTradeOpen ∧ 40.94 < AverageMInFile < 344.58 ∧ PercentInstallTrades < 80.87 ∧ -4.32 < NumBank2NatlTradesWHighUtilization < 4.39 ∧ -4.69 < PercentTradesWBalance < 71.77
