Rule 11 with 7.95 for class 1 with likelihood 77.59%: ExternalRiskEstimate < 86.29 ∧ 12.12 < PercentTradesNeverDelq < 85.62 ∧ MSinceMostRecentDelq < 36.39 ∧ -7.81 < MaxDelq2PublicRecLast12M ∧ -6.33 < MaxDelqEver ∧ -7.37 < MSinceMostRecentInqexcl7days < 21.79 ∧ NumInstallTradesWBalance < 16.94
Rule 14 with 7.17 for class 1 with likelihood 78.73%: -0.48 < ExternalRiskEstimate < 68.09 ∧ 12.55 < PercentTradesNeverDelq ∧ -8.18 < MSinceMostRecentInqexcl7days < 0.61
Rule 13 with 6.03 for class 1 with likelihood 77.20%: ExternalRiskEstimate < 64.53 ∧ 13.23 < PercentTradesNeverDelq ∧ -6.04 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 20.61
Rule 0 with 5.86 for class 0 with likelihood 80.86%: MSinceMostRecentTradeOpen < 362.03 ∧ 79.50 < AverageMInFile < 352.54 ∧ 13.62 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.52 ∧ NumTrades90Ever2DerogPubRec < 15.73 ∧ NumTradesOpeninLast12M < 14.52 ∧ PercentInstallTrades < 95.07 ∧ NumInqLast6M < 45.13 ∧ NumInqLast6Mexcl7days < 45.14 ∧ -3.04 < NumRevolvingTradesWBalance < 27.72 ∧ -8.67 < NumBank2NatlTradesWHighUtilization < 0.37 ∧ 10.12 < PercentTradesWBalance
Rule 15 with 5.44 for class 1 with likelihood 68.80%: -1.03 < ExternalRiskEstimate < 77.06 ∧ 22.41 < PercentTradesNeverDelq ∧ -7.71 < MSinceMostRecentInqexcl7days < 0.19
Rule 3 with 4.49 for class 0 with likelihood 72.58%: MSinceMostRecentTradeOpen < 374.77 ∧ 48.39 < AverageMInFile < 365.26 ∧ NumTrades60Ever2DerogPubRec < 11.94 ∧ NumTrades90Ever2DerogPubRec < 16.73 ∧ NumTradesOpeninLast12M < 14.97 ∧ -7.92 < PercentInstallTrades < 61.56 ∧ -2.88 < NumRevolvingTradesWBalance < 27.06 ∧ -5.18 < NumBank2NatlTradesWHighUtilization < 0.48 ∧ 22.03 < PercentTradesWBalance
Rule 8 with 4.46 for class 0 with likelihood 73.66%: 58.63 < AverageMInFile < 334.37 ∧ NumTradesOpeninLast12M < 14.64 ∧ PercentInstallTrades < 79.74 ∧ -4.72 < NumBank2NatlTradesWHighUtilization < 3.21 ∧ 6.16 < PercentTradesWBalance < 74.02
Rule 19 with 4.10 for class 1 with likelihood 62.85%: -6.69 < ExternalRiskEstimate < 89.62 ∧ 47.38 < NetFractionRevolvingBurden
Rule 10 with 4.05 for class 1 with likelihood 58.10%: ExternalRiskEstimate < 69.41 ∧ MSinceMostRecentInqexcl7days < 18.30
Rule 16 with 3.76 for class 1 with likelihood 61.25%: ExternalRiskEstimate < 70.23 ∧ MSinceMostRecentInqexcl7days < 16.60
Rule 12 with 3.09 for class 1 with likelihood 57.95%: -8.37 < ExternalRiskEstimate < 70.03 ∧ -6.12 < PercentTradesNeverDelq ∧ -8.66 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 17.23
Rule 6 with 3.08 for class 0 with likelihood 70.30%: 50.98 < AverageMInFile < 358.24 ∧ -9.00 < NumTradesOpeninLast12M < 15.05 ∧ 9.14 < PercentInstallTrades < 77.49 ∧ -4.44 < NumBank2NatlTradesWHighUtilization < 1.45 ∧ -6.75 < PercentTradesWBalance
Rule 9 with 2.75 for class 0 with likelihood 69.47%: 176.48 < MSinceOldestTradeOpen ∧ 61.61 < AverageMInFile < 349.30 ∧ NumTradesOpeninLast12M < 15.08 ∧ 5.38 < PercentInstallTrades < 91.58 ∧ NumBank2NatlTradesWHighUtilization < 2.10
Rule 17 with 2.43 for class 1 with likelihood 53.92%: ExternalRiskEstimate < 73.75 ∧ MSinceMostRecentDelq < 82.62 ∧ MSinceMostRecentInqexcl7days < 18.63
Rule 7 with 2.37 for class 0 with likelihood 65.45%: 30.72 < AverageMInFile < 357.25 ∧ NumTradesOpeninLast12M < 14.77 ∧ PercentInstallTrades < 81.76 ∧ -5.02 < NumBank2NatlTradesWHighUtilization < 4.53 ∧ 10.18 < PercentTradesWBalance < 70.29
Rule 18 with 2.06 for class 1 with likelihood 51.54%: ExternalRiskEstimate < 83.32 ∧ -5.92 < MSinceMostRecentInqexcl7days < 1.89 ∧ 16.95 < NetFractionRevolvingBurden
Rule 5 with 2.01 for class 0 with likelihood 65.41%: 219.89 < MSinceOldestTradeOpen ∧ 72.53 < AverageMInFile < 355.92 ∧ -8.76 < NumTradesOpeninLast12M < 14.82 ∧ 0.47 < PercentInstallTrades < 98.46 ∧ -2.04 < NumRevolvingTradesWBalance < 25.66 ∧ NumBank2NatlTradesWHighUtilization < 4.22 ∧ -3.41 < PercentTradesWBalance
Rule 1 with 1.55 for class 0 with likelihood 64.49%: 33.21 < AverageMInFile < 358.18 ∧ NumTradesOpeninLast12M < 14.78 ∧ PercentInstallTrades < 66.64 ∧ -5.53 < NumBank2NatlTradesWHighUtilization < 3.21 ∧ 21.27 < PercentTradesWBalance < 69.65
Rule 4 with 1.45 for class 0 with likelihood 63.91%: 28.23 < AverageMInFile < 334.42 ∧ PercentInstallTrades < 84.12 ∧ -4.64 < NumBank2NatlTradesWHighUtilization < 4.35 ∧ 14.30 < PercentTradesWBalance < 73.36
Rule 2 with 1.00 for class 0 with likelihood 64.64%: 142.07 < MSinceOldestTradeOpen ∧ 54.65 < AverageMInFile < 333.58 ∧ -5.99 < NumBank2NatlTradesWHighUtilization < 5.06 ∧ 6.98 < PercentTradesWBalance < 74.18
