Rule 12 with 8.23 for class 1 with likelihood 83.20%: -3.72 < ExternalRiskEstimate < 64.49 ∧ 7.91 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 0.70 ∧ NumInstallTradesWBalance < 16.32
Rule 17 with 6.91 for class 1 with likelihood 74.88%: -0.29 < ExternalRiskEstimate < 70.60 ∧ -8.34 < NumTrades60Ever2DerogPubRec ∧ -8.37 < NumTrades90Ever2DerogPubRec ∧ 17.21 < PercentTradesNeverDelq ∧ NumTotalTrades < 102.17 ∧ -8.17 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 0.51 ∧ -8.14 < NumInqLast6M ∧ -8.15 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 15.77
Rule 24 with 6.56 for class 1 with likelihood 71.62%: ExternalRiskEstimate < 68.32 ∧ 13.46 < NetFractionRevolvingBurden
Rule 19 with 5.57 for class 1 with likelihood 63.34%: -1.55 < ExternalRiskEstimate < 76.84 ∧ 32.48 < PercentTradesNeverDelq ∧ -5.51 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 0.71
Rule 21 with 5.27 for class 1 with likelihood 68.69%: ExternalRiskEstimate < 77.29 ∧ 14.70 < PercentTradesNeverDelq < 86.79 ∧ -6.07 < MaxDelqEver
Rule 6 with 5.00 for class 0 with likelihood 77.15%: 75.01 < AverageMInFile ∧ 12.85 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 8.56 ∧ NumTrades90Ever2DerogPubRec < 16.47 ∧ NumTradesOpeninLast12M < 9.27 ∧ -3.50 < PercentInstallTrades < 94.35 ∧ NumInqLast6M < 63.58 ∧ NumInqLast6Mexcl7days < 63.61 ∧ NumRevolvingTradesWBalance < 27.10 ∧ NumBank2NatlTradesWHighUtilization < 0.60
Rule 10 with 4.92 for class 0 with likelihood 75.36%: 56.39 < AverageMInFile ∧ 11.19 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 10.52 ∧ NumTrades90Ever2DerogPubRec < 16.79 ∧ NumTradesOpeninLast12M < 9.45 ∧ -7.90 < PercentInstallTrades < 47.67 ∧ NumInqLast6M < 63.34 ∧ NumInqLast6Mexcl7days < 63.37 ∧ -3.26 < NumRevolvingTradesWBalance < 26.21 ∧ -8.62 < NumBank2NatlTradesWHighUtilization < 0.95
Rule 8 with 4.80 for class 0 with likelihood 73.76%: 59.80 < AverageMInFile ∧ NumTradesOpeninLast12M < 8.38 ∧ PercentInstallTrades < 55.19 ∧ -8.08 < NumRevolvingTradesWBalance < 27.37 ∧ -4.21 < NumBank2NatlTradesWHighUtilization < 4.10 ∧ -8.20 < PercentTradesWBalance < 73.33
Rule 1 with 4.50 for class 0 with likelihood 76.42%: 128.24 < MSinceOldestTradeOpen ∧ 66.71 < AverageMInFile ∧ -1.52 < PercentInstallTrades < 88.69 ∧ -5.96 < NumBank2NatlTradesWHighUtilization < 0.68
Rule 22 with 4.07 for class 1 with likelihood 65.57%: ExternalRiskEstimate < 69.37 ∧ 17.47 < PercentTradesNeverDelq ∧ -5.71 < MaxDelqEver
Rule 15 with 3.71 for class 1 with likelihood 61.96%: ExternalRiskEstimate < 71.47 ∧ 16.57 < PercentTradesNeverDelq ∧ -6.95 < MaxDelq2PublicRecLast12M ∧ -6.20 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 21.48
Rule 13 with 3.46 for class 1 with likelihood 56.11%: ExternalRiskEstimate < 72.78 ∧ MSinceMostRecentInqexcl7days < 19.55
Rule 16 with 3.20 for class 1 with likelihood 57.38%: ExternalRiskEstimate < 79.91 ∧ 35.45 < NetFractionRevolvingBurden
Rule 20 with 3.17 for class 1 with likelihood 59.70%: -2.56 < ExternalRiskEstimate < 71.67 ∧ 20.33 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 8.30
Rule 18 with 3.13 for class 1 with likelihood 58.03%: ExternalRiskEstimate < 71.95 ∧ MSinceMostRecentInqexcl7days < 19.70
Rule 4 with 2.93 for class 0 with likelihood 69.67%: 50.90 < AverageMInFile ∧ -5.89 < PercentInstallTrades < 73.30 ∧ -4.48 < NumBank2NatlTradesWHighUtilization < 2.73 ∧ PercentTradesWBalance < 79.19
Rule 0 with 2.46 for class 0 with likelihood 66.28%: 100.08 < MSinceOldestTradeOpen ∧ PercentInstallTrades < 52.26 ∧ -4.36 < NumBank2NatlTradesWHighUtilization < 3.73 ∧ PercentTradesWBalance < 80.73
Rule 5 with 2.32 for class 0 with likelihood 68.44%: 61.69 < AverageMInFile ∧ -3.22 < PercentInstallTrades < 80.14 ∧ -5.27 < NumBank2NatlTradesWHighUtilization < 0.45
Rule 3 with 1.89 for class 0 with likelihood 63.18%: PercentInstallTrades < 49.76 ∧ -4.59 < NumBank2NatlTradesWHighUtilization < 4.21 ∧ PercentTradesWBalance < 76.87
Rule 23 with 1.52 for class 0 with likelihood 51.10%: ExternalRiskEstimate < 72.77 ∧ 33.92 < NetFractionRevolvingBurden
Rule 14 with 1.46 for class 0 with likelihood 50.56%: ExternalRiskEstimate < 82.94 ∧ MSinceMostRecentInqexcl7days < 15.72 ∧ 42.77 < NetFractionRevolvingBurden
Rule 7 with 1.35 for class 0 with likelihood 62.04%: 118.29 < MSinceOldestTradeOpen ∧ 101.11 < AverageMInFile ∧ NumTradesOpeninLast12M < 10.92 ∧ -4.19 < NumBank2NatlTradesWHighUtilization < 8.65 ∧ -1.91 < PercentTradesWBalance
Rule 2 with 1.34 for class 0 with likelihood 61.92%: 103.40 < MSinceOldestTradeOpen ∧ 44.89 < AverageMInFile ∧ -5.51 < NumBank2NatlTradesWHighUtilization < 12.83 ∧ -4.76 < PercentTradesWBalance < 73.35
Rule 11 with 1.29 for class 0 with likelihood 63.95%: 114.58 < MSinceOldestTradeOpen ∧ 68.96 < AverageMInFile ∧ NumTradesOpeninLast12M < 8.15 ∧ 7.76 < PercentInstallTrades < 75.43 ∧ -4.63 < NumBank2NatlTradesWHighUtilization < 4.28 ∧ PercentTradesWBalance < 93.48
Rule 9 with 1.00 for class 0 with likelihood 57.84%: 215.23 < MSinceOldestTradeOpen ∧ 5.47 < PercentInstallTrades < 73.77 ∧ -8.15 < NumBank2NatlTradesWHighUtilization < 4.93 ∧ PercentTradesWBalance < 99.11
