Rule 24 with 9.45 for class 1 with likelihood 80.40%: ExternalRiskEstimate < 67.84 ∧ 9.65 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 1.41
Rule 16 with 9.07 for class 1 with likelihood 75.78%: 13.00 < PercentTradesNeverDelq < 84.45 ∧ MSinceMostRecentDelq < 69.45 ∧ -7.09 < MaxDelqEver ∧ -7.32 < MSinceMostRecentInqexcl7days < 21.96
Rule 15 with 6.42 for class 1 with likelihood 66.11%: ExternalRiskEstimate < 74.25 ∧ -7.81 < NumTrades60Ever2DerogPubRec ∧ -7.88 < NumTrades90Ever2DerogPubRec ∧ 33.90 < PercentTradesNeverDelq ∧ NumTotalTrades < 93.52 ∧ -7.54 < NumTradesOpeninLast12M ∧ -7.73 < MSinceMostRecentInqexcl7days < 0.72 ∧ -7.49 < NumInqLast6M ∧ -7.51 < NumInqLast6Mexcl7days
Rule 4 with 6.30 for class 0 with likelihood 80.37%: 76.84 < AverageMInFile < 355.19 ∧ -5.54 < PercentInstallTrades < 92.00 ∧ -6.33 < NumRevolvingTradesWBalance < 27.53 ∧ -4.90 < NumBank2NatlTradesWHighUtilization < 0.61
Rule 17 with 6.21 for class 1 with likelihood 67.46%: ExternalRiskEstimate < 90.89 ∧ 60.85 < NetFractionRevolvingBurden
Rule 3 with 4.91 for class 0 with likelihood 74.31%: 50.90 < AverageMInFile < 332.16 ∧ PercentInstallTrades < 85.72 ∧ -4.68 < NumBank2NatlTradesWHighUtilization < 3.62 ∧ 6.09 < PercentTradesWBalance < 66.29
Rule 28 with 4.63 for class 1 with likelihood 65.05%: ExternalRiskEstimate < 65.88 ∧ 19.50 < PercentTradesNeverDelq ∧ -6.31 < MaxDelqEver
Rule 9 with 4.35 for class 0 with likelihood 74.09%: 63.20 < AverageMInFile < 350.00 ∧ -4.11 < PercentInstallTrades < 74.97 ∧ -4.59 < NumBank2NatlTradesWHighUtilization < 1.74 ∧ PercentTradesWBalance < 84.09
Rule 25 with 4.30 for class 1 with likelihood 57.76%: ExternalRiskEstimate < 69.11 ∧ NumInstallTradesWBalance < 16.87
Rule 23 with 3.96 for class 1 with likelihood 52.56%: ExternalRiskEstimate < 87.54 ∧ 13.91 < PercentTradesNeverDelq < 79.82 ∧ MSinceMostRecentDelq < 36.54 ∧ -6.40 < MaxDelqEver
Rule 29 with 3.55 for class 1 with likelihood 52.72%: ExternalRiskEstimate < 83.36 ∧ 20.44 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 1.69
Rule 21 with 3.55 for class 1 with likelihood 55.06%: ExternalRiskEstimate < 75.90 ∧ MSinceMostRecentDelq < 52.17 ∧ MSinceMostRecentInqexcl7days < 6.91
Rule 0 with 3.51 for class 0 with likelihood 72.39%: 96.57 < AverageMInFile < 348.05 ∧ NumTradesOpeninLast12M < 11.62 ∧ 4.10 < PercentInstallTrades < 84.86 ∧ NumInqLast6M < 64.27 ∧ NumInqLast6Mexcl7days < 64.29 ∧ -5.26 < NumRevolvingTradesWBalance < 28.56 ∧ NumBank2NatlTradesWHighUtilization < 3.60 ∧ -5.53 < PercentTradesWBalance
Rule 18 with 3.44 for class 1 with likelihood 56.91%: ExternalRiskEstimate < 67.86 ∧ -8.54 < NumSatisfactoryTrades ∧ -7.64 < NumTrades60Ever2DerogPubRec ∧ -7.72 < NumTrades90Ever2DerogPubRec ∧ -0.89 < PercentTradesNeverDelq ∧ -6.47 < MaxDelqEver ∧ NumTotalTrades < 102.86 ∧ -7.34 < NumTradesOpeninLast12M ∧ -8.34 < PercentInstallTrades ∧ -7.28 < NumInqLast6M ∧ -7.30 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 15.50
Rule 5 with 3.11 for class 0 with likelihood 70.19%: 62.13 < AverageMInFile < 359.99 ∧ -8.88 < NumTradesOpeninLast12M < 9.54 ∧ 4.96 < PercentInstallTrades < 81.47 ∧ -2.69 < NumRevolvingTradesWBalance < 26.43 ∧ -7.29 < NumBank2NatlTradesWHighUtilization < 1.27
Rule 1 with 3.03 for class 0 with likelihood 71.30%: 64.32 < MSinceOldestTradeOpen ∧ 57.32 < AverageMInFile < 359.74 ∧ -2.42 < PercentInstallTrades < 69.84 ∧ -5.69 < NumBank2NatlTradesWHighUtilization < 0.09 ∧ PercentTradesWBalance < 96.66
Rule 8 with 2.73 for class 0 with likelihood 69.31%: 51.17 < AverageMInFile < 376.20 ∧ NumTradesOpeninLast12M < 9.20 ∧ PercentInstallTrades < 76.05 ∧ -7.83 < NumRevolvingTradesWBalance < 27.91 ∧ -4.56 < NumBank2NatlTradesWHighUtilization < 1.72 ∧ -4.64 < PercentTradesWBalance
Rule 12 with 2.67 for class 0 with likelihood 69.66%: 63.85 < AverageMInFile < 354.82 ∧ -2.24 < PercentInstallTrades < 77.65 ∧ -5.62 < NumRevolvingTradesWBalance < 27.99 ∧ -5.93 < NumBank2NatlTradesWHighUtilization < 1.49
Rule 14 with 2.51 for class 0 with likelihood 65.40%: NumTradesOpeninLast12M < 6.29 ∧ PercentInstallTrades < 80.56 ∧ -5.29 < NumBank2NatlTradesWHighUtilization < 4.59 ∧ PercentTradesWBalance < 65.21
Rule 22 with 2.40 for class 1 with likelihood 52.20%: ExternalRiskEstimate < 66.23 ∧ 16.08 < PercentTradesNeverDelq ∧ MSinceMostRecentDelq < 79.32 ∧ -5.56 < MaxDelqEver
Rule 27 with 2.33 for class 1 with likelihood 52.66%: ExternalRiskEstimate < 69.95 ∧ -7.31 < NumTrades60Ever2DerogPubRec ∧ -7.40 < NumTrades90Ever2DerogPubRec ∧ 25.14 < PercentTradesNeverDelq ∧ -6.93 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 15.01 ∧ -6.85 < NumInqLast6M ∧ -6.87 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 16.34
Rule 20 with 2.32 for class 1 with likelihood 52.80%: ExternalRiskEstimate < 65.43 ∧ -7.19 < NumTrades60Ever2DerogPubRec ∧ -7.30 < NumTrades90Ever2DerogPubRec ∧ 10.36 < PercentTradesNeverDelq ∧ NumTotalTrades < 94.87 ∧ -6.79 < NumTradesOpeninLast12M ∧ -6.71 < NumInqLast6M ∧ -6.73 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 14.48
Rule 26 with 2.31 for class 1 with likelihood 52.08%: ExternalRiskEstimate < 85.55 ∧ -6.11 < PercentTradesNeverDelq ∧ -7.58 < MaxDelqEver ∧ -8.88 < MSinceMostRecentInqexcl7days < 17.45 ∧ 48.99 < NetFractionRevolvingBurden ∧ NumInstallTradesWBalance < 21.48
Rule 19 with 2.02 for class 1 with likelihood 51.49%: ExternalRiskEstimate < 70.22 ∧ MSinceMostRecentInqexcl7days < 15.81
Rule 6 with 2.00 for class 0 with likelihood 66.94%: 176.08 < MSinceOldestTradeOpen ∧ 82.18 < AverageMInFile < 349.05 ∧ -2.11 < PercentInstallTrades < 88.23 ∧ NumBank2NatlTradesWHighUtilization < 5.30 ∧ 14.36 < PercentTradesWBalance
Rule 2 with 1.97 for class 0 with likelihood 66.66%: 72.42 < MSinceOldestTradeOpen ∧ 54.63 < AverageMInFile < 330.70 ∧ 8.37 < PercentInstallTrades < 87.51 ∧ -8.61 < NumBank2NatlTradesWHighUtilization < 6.51 ∧ PercentTradesWBalance < 75.33
Rule 11 with 1.87 for class 0 with likelihood 65.97%: 100.05 < MSinceOldestTradeOpen ∧ -5.27 < NumBank2NatlTradesWHighUtilization < 4.37 ∧ -4.75 < PercentTradesWBalance < 65.50
Rule 7 with 1.83 for class 0 with likelihood 64.56%: 83.23 < AverageMInFile < 350.37 ∧ NumTradesOpeninLast12M < 14.24 ∧ 4.66 < PercentInstallTrades < 88.43 ∧ NumBank2NatlTradesWHighUtilization < 6.10 ∧ 13.43 < PercentTradesWBalance
Rule 10 with 1.56 for class 0 with likelihood 64.64%: PercentInstallTrades < 79.33 ∧ -4.83 < NumBank2NatlTradesWHighUtilization < 15.79 ∧ PercentTradesWBalance < 65.60
Rule 13 with 1.00 for class 0 with likelihood 60.62%: 134.55 < MSinceOldestTradeOpen ∧ NumTradesOpeninLast12M < 10.02 ∧ -5.87 < PercentInstallTrades < 46.96 ∧ -8.51 < NumBank2NatlTradesWHighUtilization < 0.74 ∧ 0.10 < PercentTradesWBalance < 98.72
