Rule 17 with 8.81 for class 1 with likelihood 83.98%: ExternalRiskEstimate < 67.84 ∧ -8.72 < MSinceMostRecentInqexcl7days < 1.38 ∧ 39.56 < NetFractionRevolvingBurden ∧ NumInstallTradesWBalance < 7.04
Rule 26 with 8.61 for class 1 with likelihood 72.58%: -2.18 < ExternalRiskEstimate ∧ 10.60 < PercentTradesNeverDelq < 84.24 ∧ MSinceMostRecentDelq < 69.38 ∧ -7.42 < MaxDelqEver ∧ -6.76 < MSinceMostRecentInqexcl7days < 23.08
Rule 11 with 6.79 for class 0 with likelihood 80.01%: 77.27 < AverageMInFile < 352.09 ∧ 11.51 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 13.13 ∧ NumTradesOpeninLast12M < 9.31 ∧ PercentInstallTrades < 89.27 ∧ -7.28 < NumRevolvingTradesWBalance < 25.54 ∧ -5.14 < NumBank2NatlTradesWHighUtilization < 0.83
Rule 29 with 6.64 for class 1 with likelihood 70.66%: ExternalRiskEstimate < 71.91 ∧ 11.29 < PercentTradesNeverDelq ∧ -5.71 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 0.15 ∧ NumInstallTradesWBalance < 16.90
Rule 19 with 5.22 for class 1 with likelihood 70.17%: -8.27 < ExternalRiskEstimate < 68.19 ∧ 11.35 < PercentTradesNeverDelq ∧ -7.83 < MaxDelqEver ∧ NumInstallTradesWBalance < 16.66
Rule 21 with 5.17 for class 1 with likelihood 55.21%: ExternalRiskEstimate < 74.15 ∧ NumTotalTrades < 77.40 ∧ MSinceMostRecentInqexcl7days < -1.23 ∧ NumInstallTradesWBalance < 15.09
Rule 9 with 5.08 for class 0 with likelihood 73.00%: 13.74 < MSinceOldestTradeOpen ∧ 52.13 < AverageMInFile < 325.79 ∧ -7.05 < PercentInstallTrades < 70.26 ∧ -6.13 < NumBank2NatlTradesWHighUtilization < 0.94 ∧ 8.06 < PercentTradesWBalance
Rule 2 with 4.95 for class 0 with likelihood 74.73%: 241.29 < MSinceOldestTradeOpen ∧ 81.02 < AverageMInFile < 317.80 ∧ -4.87 < PercentInstallTrades < 94.15 ∧ NumBank2NatlTradesWHighUtilization < 4.29 ∧ 11.95 < PercentTradesWBalance
Rule 20 with 4.82 for class 1 with likelihood 62.22%: ExternalRiskEstimate < 76.44 ∧ -8.06 < NumTrades60Ever2DerogPubRec ∧ -8.12 < NumTrades90Ever2DerogPubRec ∧ 24.16 < PercentTradesNeverDelq ∧ -7.86 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 0.49 ∧ -7.81 < NumInqLast6M ∧ -7.83 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 15.42
Rule 24 with 4.68 for class 1 with likelihood 59.14%: ExternalRiskEstimate < 79.15 ∧ -7.60 < NumTrades60Ever2DerogPubRec ∧ -7.68 < NumTrades90Ever2DerogPubRec ∧ 20.22 < PercentTradesNeverDelq ∧ -6.44 < MaxDelqEver ∧ -7.29 < NumTradesOpeninLast12M ∧ -7.72 < MSinceMostRecentInqexcl7days < 0.01 ∧ -7.24 < NumInqLast6M ∧ -7.26 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 14.12
Rule 23 with 4.45 for class 1 with likelihood 67.33%: ExternalRiskEstimate < 66.67 ∧ 14.21 < PercentTradesNeverDelq ∧ -7.22 < MaxDelqEver
Rule 15 with 4.17 for class 1 with likelihood 61.77%: ExternalRiskEstimate < 74.83 ∧ -7.18 < NumTrades60Ever2DerogPubRec ∧ -7.29 < NumTrades90Ever2DerogPubRec ∧ 24.30 < PercentTradesNeverDelq ∧ -6.30 < MaxDelq2PublicRecLast12M ∧ -6.67 < MaxDelqEver ∧ NumTotalTrades < 70.10 ∧ -6.79 < NumTradesOpeninLast12M ∧ -8.43 < MSinceMostRecentInqexcl7days < -0.71 ∧ -6.70 < NumInqLast6M ∧ -6.73 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 14.67
Rule 3 with 4.15 for class 0 with likelihood 70.79%: 54.05 < AverageMInFile < 364.24 ∧ PercentInstallTrades < 74.97 ∧ -6.37 < NumBank2NatlTradesWHighUtilization < 2.29 ∧ 6.83 < PercentTradesWBalance < 80.20
Rule 13 with 3.95 for class 0 with likelihood 71.23%: 51.26 < AverageMInFile < 340.03 ∧ NumTradesOpeninLast12M < 7.96 ∧ PercentInstallTrades < 59.95 ∧ -4.59 < NumBank2NatlTradesWHighUtilization < 4.61 ∧ 7.53 < PercentTradesWBalance < 72.36
Rule 16 with 3.76 for class 1 with likelihood 58.88%: ExternalRiskEstimate < 71.00 ∧ 16.69 < PercentTradesNeverDelq ∧ -6.07 < MaxDelqEver ∧ NumInstallTradesWBalance < 15.42
Rule 28 with 3.70 for class 1 with likelihood 62.57%: ExternalRiskEstimate < 68.89 ∧ -7.85 < NumTrades60Ever2DerogPubRec ∧ -7.92 < NumTrades90Ever2DerogPubRec ∧ 17.95 < PercentTradesNeverDelq ∧ -7.00 < MaxDelq2PublicRecLast12M < 8.46 ∧ -6.73 < MaxDelqEver ∧ -7.59 < NumTradesOpeninLast12M ∧ -7.54 < NumInqLast6M ∧ -7.56 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 17.57
Rule 18 with 3.67 for class 1 with likelihood 61.20%: -3.86 < ExternalRiskEstimate < 71.04 ∧ 15.73 < PercentTradesNeverDelq ∧ -6.94 < MaxDelq2PublicRecLast12M ∧ -6.24 < MaxDelqEver ∧ NumInstallTradesWBalance < 16.47
Rule 12 with 3.35 for class 0 with likelihood 70.83%: MSinceMostRecentTradeOpen < 373.51 ∧ 53.53 < AverageMInFile < 345.69 ∧ 23.14 < NumSatisfactoryTrades < 73.98 ∧ NumTrades60Ever2DerogPubRec < 12.69 ∧ NumTrades90Ever2DerogPubRec < 16.53 ∧ NumTradesOpeninLast12M < 8.48 ∧ -2.54 < PercentInstallTrades < 55.41 ∧ NumInqLast6M < 63.58 ∧ NumInqLast6Mexcl7days < 63.61 ∧ -2.73 < NumRevolvingTradesWBalance < 25.84 ∧ NumBank2NatlTradesWHighUtilization < 1.71 ∧ 7.66 < PercentTradesWBalance
Rule 0 with 2.89 for class 0 with likelihood 67.65%: 143.84 < MSinceOldestTradeOpen ∧ 79.43 < AverageMInFile < 330.96 ∧ -4.08 < PercentInstallTrades < 93.39 ∧ NumBank2NatlTradesWHighUtilization < 4.36 ∧ 14.17 < PercentTradesWBalance
Rule 27 with 2.70 for class 1 with likelihood 57.12%: -0.90 < ExternalRiskEstimate < 76.75 ∧ 20.86 < PercentTradesNeverDelq ∧ -6.61 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 0.95
Rule 8 with 2.68 for class 0 with likelihood 69.30%: 61.20 < AverageMInFile < 327.97 ∧ 3.22 < PercentInstallTrades < 76.51 ∧ -5.71 < NumBank2NatlTradesWHighUtilization < 1.64 ∧ -5.05 < PercentTradesWBalance
Rule 22 with 2.34 for class 1 with likelihood 54.72%: ExternalRiskEstimate < 67.67 ∧ 18.20 < PercentTradesNeverDelq ∧ -5.84 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 13.99
Rule 25 with 2.02 for class 1 with likelihood 51.57%: 2.53 < ExternalRiskEstimate < 75.79 ∧ MSinceMostRecentInqexcl7days < 16.88 ∧ 62.63 < NetFractionRevolvingBurden
Rule 14 with 1.96 for class 0 with likelihood 62.27%: NumTrades60Ever2DerogPubRec < 14.93 ∧ NumTradesOpeninLast12M < 6.31 ∧ PercentInstallTrades < 53.39 ∧ -6.04 < NumBank2NatlTradesWHighUtilization < 4.07 ∧ -4.30 < PercentTradesWBalance < 84.67
Rule 5 with 1.95 for class 0 with likelihood 65.20%: MSinceMostRecentTradeOpen < 374.52 ∧ 32.50 < AverageMInFile < 358.10 ∧ NumSatisfactoryTrades < 66.36 ∧ NumTrades60Ever2DerogPubRec < 13.06 ∧ NumTrades90Ever2DerogPubRec < 16.37 ∧ NumTradesOpeninLast12M < 8.23 ∧ PercentInstallTrades < 47.73 ∧ NumInqLast6M < 63.10 ∧ NumInqLast6Mexcl7days < 63.13 ∧ -8.63 < NumRevolvingTradesWBalance < 25.23 ∧ -5.48 < NumBank2NatlTradesWHighUtilization < 1.26 ∧ 7.22 < PercentTradesWBalance < 99.77
Rule 7 with 1.64 for class 0 with likelihood 60.22%: 107.27 < MSinceOldestTradeOpen ∧ NumTradesOpeninLast12M < 9.69 ∧ PercentInstallTrades < 58.66 ∧ -4.96 < NumBank2NatlTradesWHighUtilization < 4.05 ∧ 8.65 < PercentTradesWBalance < 74.19
Rule 1 with 1.57 for class 0 with likelihood 62.67%: 90.18 < MSinceOldestTradeOpen ∧ NumTradesOpeninLast12M < 9.88 ∧ PercentInstallTrades < 73.10 ∧ -4.95 < NumBank2NatlTradesWHighUtilization < 3.51 ∧ 8.95 < PercentTradesWBalance < 74.03
Rule 6 with 1.29 for class 0 with likelihood 59.65%: -8.19 < MSinceOldestTradeOpen ∧ 90.92 < AverageMInFile < 349.21 ∧ NumTradesOpeninLast12M < 7.71 ∧ PercentInstallTrades < 90.90 ∧ NumRevolvingTradesWBalance < 26.34 ∧ -8.81 < NumBank2NatlTradesWHighUtilization < 6.62 ∧ 15.06 < PercentTradesWBalance
Rule 4 with 1.05 for class 0 with likelihood 59.47%: 97.53 < MSinceOldestTradeOpen ∧ PercentInstallTrades < 77.38 ∧ -4.31 < NumBank2NatlTradesWHighUtilization < 8.01 ∧ 9.80 < PercentTradesWBalance < 76.62
Rule 10 with 1.00 for class 0 with likelihood 61.56%: 96.58 < MSinceOldestTradeOpen ∧ NumTradesOpeninLast12M < 9.06 ∧ PercentInstallTrades < 46.80 ∧ -4.44 < NumBank2NatlTradesWHighUtilization < 2.90 ∧ 9.17 < PercentTradesWBalance < 76.86
