Rule 15 with 8.38 for class 1 with likelihood 83.64%: ExternalRiskEstimate < 64.73 ∧ -6.18 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 1.05
Rule 23 with 8.34 for class 1 with likelihood 75.84%: 9.59 < PercentTradesNeverDelq < 83.10 ∧ MSinceMostRecentDelq < 74.35 ∧ -7.34 < MaxDelqEver ∧ -7.43 < MSinceMostRecentInqexcl7days < 22.53
Rule 20 with 6.78 for class 1 with likelihood 69.16%: ExternalRiskEstimate < 71.96 ∧ 8.10 < PercentTradesNeverDelq ∧ -7.03 < MaxDelqEver ∧ -7.48 < MSinceMostRecentInqexcl7days < 0.35
Rule 28 with 6.72 for class 1 with likelihood 76.85%: ExternalRiskEstimate < 90.60 ∧ -8.95 < MSinceMostRecentInqexcl7days ∧ 77.83 < NetFractionRevolvingBurden
Rule 25 with 6.28 for class 1 with likelihood 65.75%: ExternalRiskEstimate < 76.60 ∧ -7.60 < MSinceMostRecentInqexcl7days < 0.49 ∧ 12.26 < NetFractionRevolvingBurden
Rule 27 with 6.07 for class 1 with likelihood 75.17%: ExternalRiskEstimate < 66.53 ∧ -5.77 < MaxDelqEver
Rule 0 with 6.06 for class 0 with likelihood 80.63%: MSinceMostRecentTradeOpen < 373.86 ∧ 75.94 < AverageMInFile < 358.01 ∧ NumTrades60Ever2DerogPubRec < 0.73 ∧ NumTrades90Ever2DerogPubRec < 12.40 ∧ NumTradesOpeninLast12M < 9.44 ∧ PercentInstallTrades < 50.90 ∧ NumInqLast6M < 62.82 ∧ NumInqLast6Mexcl7days < 62.86 ∧ -8.05 < NumRevolvingTradesWBalance < 26.54 ∧ -4.41 < NumBank2NatlTradesWHighUtilization < 0.65 ∧ 5.25 < PercentTradesWBalance
Rule 22 with 5.30 for class 1 with likelihood 58.48%: ExternalRiskEstimate < 92.92 ∧ 10.38 < PercentTradesNeverDelq < 90.22 ∧ MSinceMostRecentDelq < 59.42 ∧ -6.99 < MaxDelqEver ∧ -5.18 < MSinceMostRecentInqexcl7days < 19.60
Rule 4 with 5.28 for class 0 with likelihood 77.32%: 68.47 < AverageMInFile < 359.26 ∧ PercentInstallTrades < 83.17 ∧ -4.93 < NumBank2NatlTradesWHighUtilization < 3.77 ∧ PercentTradesWBalance < 75.65
Rule 17 with 4.64 for class 1 with likelihood 67.70%: ExternalRiskEstimate < 68.42 ∧ -7.69 < NumTrades60Ever2DerogPubRec ∧ -7.77 < NumTrades90Ever2DerogPubRec ∧ -7.41 < NumTradesOpeninLast12M ∧ -7.35 < NumInqLast6M ∧ -7.37 < NumInqLast6Mexcl7days
Rule 19 with 4.36 for class 1 with likelihood 57.57%: ExternalRiskEstimate < 71.87 ∧ MSinceMostRecentInqexcl7days < 17.55
Rule 18 with 4.19 for class 1 with likelihood 58.87%: ExternalRiskEstimate < 76.90 ∧ 10.67 < PercentTradesNeverDelq ∧ -5.51 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 0.57
Rule 7 with 4.01 for class 0 with likelihood 73.44%: 48.66 < AverageMInFile < 369.55 ∧ PercentInstallTrades < 80.53 ∧ -4.55 < NumBank2NatlTradesWHighUtilization < 15.56 ∧ 8.57 < PercentTradesWBalance < 65.28
Rule 26 with 3.93 for class 1 with likelihood 52.12%: ExternalRiskEstimate < 83.95 ∧ 15.04 < PercentTradesNeverDelq ∧ -4.83 < MaxDelqEver ∧ -5.72 < MSinceMostRecentInqexcl7days < 1.81
Rule 6 with 3.84 for class 0 with likelihood 73.51%: 103.41 < MSinceOldestTradeOpen ∧ 61.29 < AverageMInFile < 330.67 ∧ -6.72 < NumBank2NatlTradesWHighUtilization < 2.48 ∧ 11.89 < PercentTradesWBalance < 80.59
Rule 2 with 3.72 for class 0 with likelihood 74.40%: MSinceMostRecentTradeOpen < 372.75 ∧ 50.16 < AverageMInFile < 370.46 ∧ -5.08 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 5.48 ∧ NumTrades90Ever2DerogPubRec < 10.87 ∧ NumTradesOpeninLast12M < 10.80 ∧ PercentInstallTrades < 49.40 ∧ NumInqLast6M < 63.96 ∧ NumInqLast6Mexcl7days < 63.98 ∧ -7.15 < NumRevolvingTradesWBalance < 26.04 ∧ -4.40 < NumBank2NatlTradesWHighUtilization < 1.16
Rule 16 with 3.68 for class 1 with likelihood 57.24%: ExternalRiskEstimate < 72.50
Rule 5 with 3.58 for class 0 with likelihood 73.88%: 133.22 < MSinceOldestTradeOpen ∧ 78.99 < AverageMInFile < 354.84 ∧ 6.51 < PercentInstallTrades < 93.10 ∧ NumBank2NatlTradesWHighUtilization < 1.49 ∧ 13.45 < PercentTradesWBalance
Rule 13 with 3.45 for class 0 with likelihood 72.14%: MSinceMostRecentTradeOpen < 375.89 ∧ 56.28 < AverageMInFile < 365.62 ∧ NumTrades60Ever2DerogPubRec < 15.20 ∧ NumTrades90Ever2DerogPubRec < 10.80 ∧ NumTradesOpeninLast12M < 11.13 ∧ PercentInstallTrades < 78.77 ∧ NumInqLast6M < 63.49 ∧ NumInqLast6Mexcl7days < 63.52 ∧ -7.68 < NumRevolvingTradesWBalance < 26.65 ∧ -4.36 < NumBank2NatlTradesWHighUtilization < 0.50
Rule 12 with 3.43 for class 0 with likelihood 70.43%: 217.25 < MSinceOldestTradeOpen ∧ 80.37 < AverageMInFile < 371.84 ∧ 4.74 < PercentInstallTrades < 95.62 ∧ -2.54 < NumRevolvingTradesWBalance < 28.92 ∧ NumBank2NatlTradesWHighUtilization < 8.44
Rule 21 with 3.08 for class 1 with likelihood 57.73%: ExternalRiskEstimate < 69.12 ∧ MSinceMostRecentInqexcl7days < 17.18 ∧ 35.43 < NetFractionRevolvingBurden
Rule 11 with 3.05 for class 0 with likelihood 72.92%: 124.64 < MSinceOldestTradeOpen ∧ 43.42 < AverageMInFile < 339.04 ∧ -8.90 < NumBank2NatlTradesWHighUtilization < 1.48 ∧ 10.07 < PercentTradesWBalance < 78.80
Rule 24 with 3.05 for class 1 with likelihood 55.02%: ExternalRiskEstimate < 65.62
Rule 10 with 2.29 for class 0 with likelihood 67.98%: MSinceMostRecentTradeOpen < 374.14 ∧ 86.55 < AverageMInFile < 360.47 ∧ -7.57 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 10.15 ∧ NumTrades90Ever2DerogPubRec < 11.60 ∧ NumTradesOpeninLast12M < 7.89 ∧ 2.61 < PercentInstallTrades < 41.86 ∧ NumInqLast6M < 62.41 ∧ NumInqLast6Mexcl7days < 62.45 ∧ NetFractionRevolvingBurden < 205.00 ∧ -2.67 < NumRevolvingTradesWBalance < 27.55 ∧ -4.87 < NumInstallTradesWBalance ∧ -8.78 < NumBank2NatlTradesWHighUtilization < 14.64
Rule 8 with 2.24 for class 0 with likelihood 69.56%: 111.25 < MSinceOldestTradeOpen ∧ 64.31 < AverageMInFile < 363.59 ∧ 2.19 < PercentInstallTrades < 81.35 ∧ -4.66 < NumBank2NatlTradesWHighUtilization < 0.39
Rule 1 with 2.08 for class 0 with likelihood 70.51%: 130.10 < MSinceOldestTradeOpen ∧ 70.07 < AverageMInFile < 361.23 ∧ -4.61 < NumBank2NatlTradesWHighUtilization < 0.04
Rule 29 with 1.93 for class 0 with likelihood 50.72%: ExternalRiskEstimate < 84.24 ∧ -7.34 < MSinceMostRecentInqexcl7days < 18.11 ∧ 49.28 < NetFractionRevolvingBurden
Rule 14 with 1.36 for class 0 with likelihood 63.94%: 73.00 < MSinceOldestTradeOpen ∧ PercentInstallTrades < 74.52 ∧ -4.68 < NumBank2NatlTradesWHighUtilization < 13.86 ∧ -7.48 < PercentTradesWBalance < 72.81
Rule 3 with 1.24 for class 0 with likelihood 63.22%: 105.24 < MSinceOldestTradeOpen ∧ -4.50 < NumBank2NatlTradesWHighUtilization < 14.69 ∧ -6.44 < PercentTradesWBalance < 73.42
Rule 9 with 1.00 for class 0 with likelihood 62.53%: 150.60 < MSinceOldestTradeOpen ∧ -8.70 < NumBank2NatlTradesWHighUtilization < 3.26 ∧ 10.99 < PercentTradesWBalance < 80.84
