Rule 16 with 9.70 for class 1 with likelihood 79.58%: ExternalRiskEstimate < 67.13 ∧ 42.17 < NetFractionRevolvingBurden
Rule 22 with 9.28 for class 1 with likelihood 72.49%: ExternalRiskEstimate < 92.55 ∧ 8.33 < PercentTradesNeverDelq < 89.05 ∧ MSinceMostRecentDelq < 71.73 ∧ -7.27 < MaxDelqEver ∧ -7.48 < MSinceMostRecentInqexcl7days < 22.45
Rule 21 with 6.63 for class 1 with likelihood 65.06%: ExternalRiskEstimate < 79.83 ∧ -7.09 < MSinceMostRecentInqexcl7days < 0.55 ∧ 30.85 < NetFractionRevolvingBurden
Rule 24 with 6.48 for class 1 with likelihood 59.22%: ExternalRiskEstimate < 79.43 ∧ 20.76 < PercentTradesNeverDelq ∧ -6.03 < MaxDelqEver ∧ -7.45 < MSinceMostRecentInqexcl7days < -0.34
Rule 23 with 5.77 for class 1 with likelihood 56.92%: ExternalRiskEstimate < 74.11 ∧ MSinceMostRecentTradeOpen < 212.55 ∧ MSinceMostRecentInqexcl7days < -0.25 ∧ NumInstallTradesWBalance < 16.43
Rule 25 with 5.46 for class 1 with likelihood 55.55%: -4.42 < ExternalRiskEstimate < 90.15 ∧ 9.74 < PercentTradesNeverDelq < 94.35 ∧ MSinceMostRecentDelq < 46.36 ∧ -8.37 < MaxDelq2PublicRecLast12M < 7.55 ∧ -6.91 < MaxDelqEver ∧ -5.56 < MSinceMostRecentInqexcl7days < 20.88
Rule 4 with 5.35 for class 0 with likelihood 79.95%: 69.15 < AverageMInFile ∧ -4.50 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 11.96 ∧ NumTrades90Ever2DerogPubRec < 16.80 ∧ NumTradesOpeninLast12M < 9.50 ∧ -4.35 < PercentInstallTrades < 72.59 ∧ NumInqLast6M < 64.10 ∧ NumInqLast6Mexcl7days < 64.12 ∧ -8.00 < NumRevolvingTradesWBalance < 26.13 ∧ -4.35 < NumBank2NatlTradesWHighUtilization < 0.75
Rule 26 with 5.29 for class 1 with likelihood 69.39%: ExternalRiskEstimate < 66.64 ∧ 13.23 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 8.94
Rule 9 with 4.90 for class 0 with likelihood 76.00%: 53.99 < AverageMInFile ∧ 7.03 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 14.78 ∧ NumTrades90Ever2DerogPubRec < 16.76 ∧ NumTradesOpeninLast12M < 9.42 ∧ 7.88 < PercentInstallTrades < 42.60 ∧ NumInqLast6M < 62.51 ∧ NumInqLast6Mexcl7days < 62.55 ∧ -2.99 < NumRevolvingTradesWBalance < 27.53 ∧ NumBank2NatlTradesWHighUtilization < 1.22
Rule 13 with 4.67 for class 0 with likelihood 79.88%: 83.15 < AverageMInFile ∧ NumTradesOpeninLast12M < 9.51 ∧ -3.08 < PercentInstallTrades < 81.84 ∧ -7.44 < NumRevolvingTradesWBalance < 27.30 ∧ -4.26 < NumBank2NatlTradesWHighUtilization < 0.70
Rule 27 with 4.23 for class 1 with likelihood 61.77%: ExternalRiskEstimate < 65.68 ∧ 12.13 < PercentTradesNeverDelq ∧ -7.63 < MaxDelq2PublicRecLast12M ∧ -6.64 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.19 ∧ NumInstallTradesWBalance < 18.04
Rule 19 with 4.08 for class 1 with likelihood 59.60%: ExternalRiskEstimate < 67.95 ∧ 20.25 < NetFractionRevolvingBurden
Rule 7 with 4.01 for class 0 with likelihood 77.07%: 97.37 < AverageMInFile ∧ NumTradesOpeninLast12M < 11.66 ∧ 7.40 < PercentInstallTrades < 91.25 ∧ NumInqLast6M < 63.62 ∧ NumInqLast6Mexcl7days < 63.64 ∧ NumRevolvingTradesWBalance < 28.04 ∧ NumBank2NatlTradesWHighUtilization < 4.19 ∧ 14.79 < PercentTradesWBalance
Rule 5 with 3.87 for class 0 with likelihood 77.23%: 57.50 < AverageMInFile ∧ NumTradesOpeninLast12M < 9.17 ∧ PercentInstallTrades < 62.82 ∧ -4.41 < NumBank2NatlTradesWHighUtilization < 1.46 ∧ -6.36 < PercentTradesWBalance < 71.51
Rule 6 with 3.85 for class 0 with likelihood 76.76%: 72.35 < AverageMInFile ∧ 3.66 < PercentInstallTrades < 92.19 ∧ NumBank2NatlTradesWHighUtilization < 2.37 ∧ 11.05 < PercentTradesWBalance
Rule 29 with 3.42 for class 1 with likelihood 55.57%: -1.37 < ExternalRiskEstimate < 71.83 ∧ 19.63 < PercentTradesNeverDelq ∧ -5.79 < MaxDelq2PublicRecLast12M ∧ -5.60 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.29
Rule 20 with 3.32 for class 1 with likelihood 58.69%: -6.80 < ExternalRiskEstimate < 70.09 ∧ 5.11 < PercentTradesNeverDelq ∧ -7.20 < MaxDelqEver
Rule 15 with 3.24 for class 1 with likelihood 50.92%: ExternalRiskEstimate < 85.69 ∧ -4.95 < MSinceMostRecentInqexcl7days < 17.20 ∧ 48.27 < NetFractionRevolvingBurden
Rule 14 with 3.13 for class 0 with likelihood 75.42%: 131.45 < MSinceOldestTradeOpen ∧ 58.55 < AverageMInFile ∧ PercentInstallTrades < 75.91 ∧ -4.63 < NumBank2NatlTradesWHighUtilization < 3.58 ∧ -5.74 < PercentTradesWBalance < 72.51
Rule 18 with 2.87 for class 1 with likelihood 55.32%: ExternalRiskEstimate < 67.09 ∧ -8.03 < NumTrades60Ever2DerogPubRec ∧ -8.08 < NumTrades90Ever2DerogPubRec ∧ 13.50 < PercentTradesNeverDelq ∧ NumTotalTrades < 99.16 ∧ -7.81 < NumTradesOpeninLast12M ∧ -7.77 < NumInqLast6M ∧ -7.78 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 15.48
Rule 11 with 2.81 for class 0 with likelihood 72.91%: 99.11 < MSinceOldestTradeOpen ∧ 74.39 < AverageMInFile ∧ 5.39 < PercentInstallTrades < 90.23 ∧ NumRevolvingTradesWBalance < 27.59 ∧ NumBank2NatlTradesWHighUtilization < 4.46 ∧ 14.12 < PercentTradesWBalance
Rule 10 with 2.76 for class 0 with likelihood 73.41%: 127.54 < MSinceOldestTradeOpen ∧ 76.42 < AverageMInFile ∧ -4.40 < NumBank2NatlTradesWHighUtilization < 13.53 ∧ -6.05 < PercentTradesWBalance < 75.07
Rule 28 with 2.73 for class 1 with likelihood 53.28%: ExternalRiskEstimate < 72.61 ∧ 14.08 < PercentTradesNeverDelq ∧ -6.72 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.06
Rule 12 with 2.57 for class 0 with likelihood 70.55%: 62.45 < AverageMInFile ∧ NumTradesOpeninLast12M < 12.49 ∧ 1.03 < PercentInstallTrades < 80.35 ∧ -4.90 < NumBank2NatlTradesWHighUtilization < -0.32
Rule 1 with 2.52 for class 0 with likelihood 68.92%: 33.35 < AverageMInFile ∧ NumTrades60Ever2DerogPubRec < 15.96 ∧ NumTrades90Ever2DerogPubRec < 16.51 ∧ NumTradesOpeninLast12M < 7.23 ∧ PercentInstallTrades < 45.66 ∧ NumInqLast6M < 61.93 ∧ NumInqLast6Mexcl7days < 61.97 ∧ -8.71 < NumRevolvingTradesWBalance < 25.99 ∧ -4.00 < NumBank2NatlTradesWHighUtilization < 1.17 ∧ PercentTradesWBalance < 99.28
Rule 8 with 2.47 for class 0 with likelihood 69.42%: 77.07 < MSinceOldestTradeOpen ∧ 68.81 < AverageMInFile ∧ -4.47 < NumBank2NatlTradesWHighUtilization < 4.14 ∧ -5.55 < PercentTradesWBalance < 77.04
Rule 2 with 2.35 for class 0 with likelihood 70.35%: 191.77 < MSinceOldestTradeOpen ∧ 69.29 < AverageMInFile ∧ NumTrades60Ever2DerogPubRec < 11.28 ∧ NumTrades90Ever2DerogPubRec < 16.44 ∧ NumTradesOpeninLast12M < 11.70 ∧ 5.91 < PercentInstallTrades < 87.71 ∧ NumRevolvingTradesWBalance < 27.18 ∧ NumBank2NatlTradesWHighUtilization < 3.85 ∧ 15.96 < PercentTradesWBalance
Rule 17 with 2.27 for class 1 with likelihood 51.57%: ExternalRiskEstimate < 70.94 ∧ -8.02 < NumTrades60Ever2DerogPubRec ∧ -8.08 < NumTrades90Ever2DerogPubRec ∧ 5.61 < PercentTradesNeverDelq ∧ -7.06 < MaxDelqEver ∧ -7.80 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 12.45 ∧ -7.77 < NumInqLast6M ∧ -7.78 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 15.35
Rule 0 with 1.93 for class 0 with likelihood 70.04%: 127.86 < MSinceOldestTradeOpen ∧ 51.08 < AverageMInFile ∧ 6.09 < PercentInstallTrades < 71.85 ∧ -4.74 < NumBank2NatlTradesWHighUtilization < 12.34 ∧ PercentTradesWBalance < 72.32
Rule 3 with 1.00 for class 0 with likelihood 63.11%: 146.55 < MSinceOldestTradeOpen ∧ -5.35 < PercentInstallTrades < 75.82 ∧ -5.00 < NumBank2NatlTradesWHighUtilization < 2.59 ∧ -5.87 < PercentTradesWBalance < 85.01
