Rule 18 with 8.66 for class 1 with likelihood 80.98%: ExternalRiskEstimate < 65.47 ∧ -4.95 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 7.94
Rule 23 with 5.81 for class 1 with likelihood 65.92%: ExternalRiskEstimate < 76.21 ∧ -5.19 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 0.62
Rule 20 with 5.69 for class 1 with likelihood 64.58%: ExternalRiskEstimate < 91.23 ∧ 9.36 < PercentTradesNeverDelq < 87.54 ∧ -6.79 < MaxDelqEver
Rule 12 with 5.49 for class 1 with likelihood 63.34%: ExternalRiskEstimate < 74.46 ∧ -6.81 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 1.94
Rule 2 with 4.83 for class 0 with likelihood 76.17%: 62.38 < AverageMInFile < 371.24 ∧ PercentInstallTrades < 45.83 ∧ -4.48 < NumBank2NatlTradesWHighUtilization < 1.35 ∧ 6.06 < PercentTradesWBalance
Rule 8 with 4.78 for class 0 with likelihood 75.32%: 132.10 < MSinceOldestTradeOpen ∧ NumTradesOpeninLast12M < 10.94 ∧ PercentInstallTrades < 79.82 ∧ -4.32 < NumBank2NatlTradesWHighUtilization < 2.43 ∧ 5.07 < PercentTradesWBalance < 66.97
Rule 17 with 4.40 for class 1 with likelihood 59.13%: ExternalRiskEstimate < 69.91 ∧ MSinceMostRecentInqexcl7days < 18.48
Rule 5 with 3.96 for class 0 with likelihood 77.47%: 70.42 < AverageMInFile < 375.35 ∧ NumTradesOpeninLast12M < 9.69 ∧ PercentInstallTrades < 85.40 ∧ -6.11 < NumRevolvingTradesWBalance < 26.68 ∧ -4.23 < NumBank2NatlTradesWHighUtilization < 0.63
Rule 9 with 3.66 for class 0 with likelihood 73.18%: 54.36 < AverageMInFile < 359.39 ∧ NumTrades90Ever2DerogPubRec < 7.45 ∧ NumTradesOpeninLast12M < 10.09 ∧ PercentInstallTrades < 84.78 ∧ NumInqLast6M < 63.28 ∧ NumInqLast6Mexcl7days < 63.31 ∧ -7.20 < NumRevolvingTradesWBalance < 28.18 ∧ -4.15 < NumBank2NatlTradesWHighUtilization < 4.38 ∧ 5.34 < PercentTradesWBalance < 72.49
Rule 14 with 3.55 for class 1 with likelihood 59.99%: ExternalRiskEstimate < 69.94 ∧ -5.81 < MaxDelqEver
Rule 21 with 3.35 for class 1 with likelihood 59.75%: ExternalRiskEstimate < 68.64 ∧ -6.93 < MaxDelqEver
Rule 16 with 3.00 for class 1 with likelihood 57.33%: ExternalRiskEstimate < 70.34 ∧ -5.02 < MaxDelqEver
Rule 11 with 2.35 for class 0 with likelihood 70.69%: 149.97 < MSinceOldestTradeOpen ∧ 81.08 < AverageMInFile < 369.64 ∧ NumTradesOpeninLast12M < 10.85 ∧ -7.82 < PercentInstallTrades < 95.57 ∧ -2.74 < NumRevolvingTradesWBalance < 28.17 ∧ NumBank2NatlTradesWHighUtilization < 7.21 ∧ -7.74 < PercentTradesWBalance
Rule 4 with 2.33 for class 0 with likelihood 69.50%: 143.14 < MSinceOldestTradeOpen ∧ 85.47 < AverageMInFile < 369.06 ∧ NumTrades90Ever2DerogPubRec < 10.22 ∧ NumTradesOpeninLast12M < 11.11 ∧ 7.59 < PercentInstallTrades < 99.60 ∧ NumInqLast6M < 63.33 ∧ NumInqLast6Mexcl7days < 63.36 ∧ -2.73 < NumRevolvingTradesWBalance < 27.72 ∧ NumBank2NatlTradesWHighUtilization < 4.12 ∧ 0.48 < PercentTradesWBalance
Rule 19 with 2.23 for class 1 with likelihood 53.18%: ExternalRiskEstimate < 71.56 ∧ -5.60 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 16.74
Rule 22 with 1.98 for class 1 with likelihood 50.32%: ExternalRiskEstimate < 75.10 ∧ MSinceMostRecentInqexcl7days < 16.57 ∧ 34.14 < NetFractionRevolvingBurden
Rule 24 with 1.97 for class 1 with likelihood 50.90%: ExternalRiskEstimate < 88.05 ∧ -6.73 < MaxDelqEver ∧ 47.30 < NetFractionRevolvingBurden
Rule 7 with 1.87 for class 0 with likelihood 63.84%: NumTradesOpeninLast12M < 10.42 ∧ -4.90 < NumBank2NatlTradesWHighUtilization < 15.41 ∧ PercentTradesWBalance < 61.87
Rule 1 with 1.79 for class 0 with likelihood 68.98%: 103.94 < MSinceOldestTradeOpen ∧ -4.77 < NumBank2NatlTradesWHighUtilization < 1.40 ∧ -8.98 < PercentTradesWBalance < 81.08
Rule 13 with 1.73 for class 1 with likelihood 51.36%: ExternalRiskEstimate < 73.92 ∧ MSinceMostRecentInqexcl7days < 14.33
Rule 15 with 1.63 for class 0 with likelihood 50.67%: ExternalRiskEstimate < 69.13 ∧ 1.20 < PercentTradesNeverDelq ∧ -7.47 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 19.96
Rule 10 with 1.24 for class 0 with likelihood 67.56%: 137.09 < MSinceOldestTradeOpen ∧ 56.68 < AverageMInFile < 364.75 ∧ PercentInstallTrades < 75.88 ∧ -8.48 < NumBank2NatlTradesWHighUtilization < 3.22 ∧ 12.04 < PercentTradesWBalance < 76.12
Rule 0 with 1.14 for class 0 with likelihood 64.87%: 141.55 < MSinceOldestTradeOpen ∧ PercentInstallTrades < 74.29 ∧ -7.07 < NumBank2NatlTradesWHighUtilization < 3.85 ∧ 8.17 < PercentTradesWBalance < 72.58
Rule 6 with 1.02 for class 0 with likelihood 63.98%: 50.46 < AverageMInFile < 360.60 ∧ NumTrades90Ever2DerogPubRec < 11.61 ∧ NumTradesOpeninLast12M < 10.38 ∧ PercentInstallTrades < 82.57 ∧ -4.97 < NumBank2NatlTradesWHighUtilization < 14.27 ∧ PercentTradesWBalance < 73.08
Rule 3 with 1.00 for class 0 with likelihood 64.03%: 158.30 < MSinceOldestTradeOpen ∧ 69.61 < AverageMInFile < 361.36 ∧ PercentInstallTrades < 67.15 ∧ -8.71 < NumBank2NatlTradesWHighUtilization < 3.14 ∧ 11.16 < PercentTradesWBalance < 93.22
