Rule 13 with 8.49 for class 1 with likelihood 77.02%: ExternalRiskEstimate < 90.26 ∧ 6.98 < PercentTradesNeverDelq < 89.70 ∧ MSinceMostRecentDelq < 17.26 ∧ -7.25 < MaxDelqEver
Rule 21 with 8.06 for class 1 with likelihood 79.79%: ExternalRiskEstimate < 63.56 ∧ 11.72 < PercentTradesNeverDelq ∧ -5.20 < MaxDelqEver ∧ NumInstallTradesWBalance < 17.42
Rule 16 with 6.61 for class 1 with likelihood 73.88%: ExternalRiskEstimate < 74.56 ∧ -7.89 < MSinceMostRecentInqexcl7days < 1.45 ∧ 37.86 < NetFractionRevolvingBurden ∧ NumInstallTradesWBalance < 16.34
Rule 22 with 6.17 for class 1 with likelihood 70.77%: ExternalRiskEstimate < 74.24 ∧ 17.61 < PercentTradesNeverDelq ∧ -7.56 < MSinceMostRecentInqexcl7days < 0.76
Rule 5 with 6.06 for class 0 with likelihood 78.76%: MSinceMostRecentTradeOpen < 377.06 ∧ 80.79 < AverageMInFile < 327.91 ∧ 13.94 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 12.28 ∧ NumTrades90Ever2DerogPubRec < 16.38 ∧ NumTradesOpeninLast12M < 9.55 ∧ PercentInstallTrades < 95.58 ∧ NumInqLast6M < 62.83 ∧ NumInqLast6Mexcl7days < 62.87 ∧ -2.54 < NumRevolvingTradesWBalance < 25.51 ∧ NumBank2NatlTradesWHighUtilization < 0.84
Rule 3 with 4.85 for class 0 with likelihood 74.98%: 73.86 < MSinceOldestTradeOpen ∧ 52.69 < AverageMInFile < 329.63 ∧ PercentInstallTrades < 75.79 ∧ -5.46 < NumBank2NatlTradesWHighUtilization < 0.50 ∧ 9.77 < PercentTradesWBalance
Rule 9 with 4.83 for class 0 with likelihood 72.98%: MSinceMostRecentTradeOpen < 376.32 ∧ 64.74 < AverageMInFile < 362.07 ∧ -7.76 < NumSatisfactoryTrades < 70.76 ∧ NumTrades60Ever2DerogPubRec < 7.52 ∧ NumTrades90Ever2DerogPubRec < 16.41 ∧ NumTradesOpeninLast12M < 8.10 ∧ 4.06 < PercentInstallTrades < 43.20 ∧ NumInqLast6M < 63.49 ∧ NumInqLast6Mexcl7days < 63.52 ∧ -4.03 < NumRevolvingTradesWBalance < 25.48 ∧ NumBank2NatlTradesWHighUtilization < 2.05 ∧ 7.73 < PercentTradesWBalance
Rule 19 with 4.40 for class 1 with likelihood 58.27%: ExternalRiskEstimate < 78.42 ∧ 22.29 < PercentTradesNeverDelq ∧ -5.36 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 0.68 ∧ NumInstallTradesWBalance < 15.42
Rule 18 with 4.39 for class 1 with likelihood 57.26%: ExternalRiskEstimate < 71.85
Rule 20 with 4.06 for class 1 with likelihood 62.81%: ExternalRiskEstimate < 73.28 ∧ -6.93 < NumTrades60Ever2DerogPubRec ∧ -7.05 < NumTrades90Ever2DerogPubRec ∧ 26.21 < PercentTradesNeverDelq ∧ -5.52 < MaxDelqEver ∧ -6.49 < NumTradesOpeninLast12M ∧ -7.15 < MSinceMostRecentInqexcl7days < -0.78 ∧ -6.38 < NumInqLast6M ∧ -6.41 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 15.51
Rule 2 with 3.36 for class 0 with likelihood 68.97%: 93.10 < MSinceOldestTradeOpen ∧ 49.19 < AverageMInFile < 357.06 ∧ -8.55 < PercentInstallTrades < 48.88 ∧ -4.71 < NumBank2NatlTradesWHighUtilization < 2.23 ∧ 18.21 < PercentTradesWBalance
Rule 11 with 3.20 for class 0 with likelihood 69.15%: 188.94 < MSinceOldestTradeOpen ∧ 78.20 < AverageMInFile < 342.25 ∧ -4.52 < PercentInstallTrades < 93.56 ∧ NumBank2NatlTradesWHighUtilization < 8.25
Rule 4 with 3.07 for class 0 with likelihood 70.19%: 58.41 < AverageMInFile < 360.15 ∧ PercentInstallTrades < 73.32 ∧ -4.47 < NumBank2NatlTradesWHighUtilization < 4.66 ∧ 12.29 < PercentTradesWBalance < 76.39
Rule 23 with 2.79 for class 1 with likelihood 55.23%: -8.17 < ExternalRiskEstimate < 81.05 ∧ 24.99 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 0.59 ∧ NumInstallTradesWBalance < 15.15
Rule 24 with 2.62 for class 1 with likelihood 53.49%: -6.04 < ExternalRiskEstimate < 70.74 ∧ 17.28 < PercentTradesNeverDelq < 94.54 ∧ -5.26 < MaxDelqEver
Rule 12 with 2.22 for class 1 with likelihood 53.31%: -5.65 < ExternalRiskEstimate < 74.07 ∧ 18.22 < PercentTradesNeverDelq ∧ -6.20 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 16.27
Rule 1 with 2.05 for class 0 with likelihood 65.99%: 61.80 < AverageMInFile < 350.80 ∧ -8.59 < NumSatisfactoryTrades < 73.13 ∧ NumTrades60Ever2DerogPubRec < 12.90 ∧ NumTrades90Ever2DerogPubRec < 16.28 ∧ NumTradesOpeninLast12M < 8.28 ∧ PercentInstallTrades < 74.64 ∧ NumInqLast6M < 62.37 ∧ NumInqLast6Mexcl7days < 62.41 ∧ -8.49 < NumRevolvingTradesWBalance < 26.72 ∧ -4.47 < NumBank2NatlTradesWHighUtilization < 4.86 ∧ 9.99 < PercentTradesWBalance < 71.06
Rule 7 with 1.82 for class 0 with likelihood 66.02%: 123.17 < MSinceOldestTradeOpen ∧ 56.10 < AverageMInFile < 324.98 ∧ PercentInstallTrades < 78.49 ∧ -4.71 < NumBank2NatlTradesWHighUtilization < 7.71 ∧ 11.78 < PercentTradesWBalance < 74.98
Rule 17 with 1.74 for class 1 with likelihood 51.70%: 5.32 < ExternalRiskEstimate < 69.37 ∧ 21.21 < PercentTradesNeverDelq ∧ -5.91 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 14.63
Rule 6 with 1.67 for class 0 with likelihood 63.97%: 47.95 < AverageMInFile < 357.45 ∧ NumTrades60Ever2DerogPubRec < 13.51 ∧ NumTradesOpeninLast12M < 7.88 ∧ PercentInstallTrades < 74.30 ∧ -7.87 < NumRevolvingTradesWBalance < 28.25 ∧ -5.00 < NumBank2NatlTradesWHighUtilization < 3.54 ∧ 9.30 < PercentTradesWBalance < 78.25
Rule 10 with 1.64 for class 0 with likelihood 63.91%: NumTrades60Ever2DerogPubRec < 11.00 ∧ NumTradesOpeninLast12M < 8.54 ∧ PercentInstallTrades < 54.48 ∧ -5.17 < NumBank2NatlTradesWHighUtilization < 2.53 ∧ 5.99 < PercentTradesWBalance < 72.70
Rule 15 with 1.57 for class 0 with likelihood 51.71%: -1.97 < ExternalRiskEstimate < 77.67 ∧ 22.35 < PercentTradesNeverDelq ∧ -5.57 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < -1.31
Rule 0 with 1.41 for class 0 with likelihood 62.02%: 167.33 < MSinceOldestTradeOpen ∧ 95.54 < AverageMInFile < 334.63 ∧ -5.33 < PercentInstallTrades < 89.53 ∧ -8.29 < NumBank2NatlTradesWHighUtilization < 7.36 ∧ 14.19 < PercentTradesWBalance
Rule 14 with 1.30 for class 0 with likelihood 54.71%: -0.55 < ExternalRiskEstimate < 63.39 ∧ 18.67 < PercentTradesNeverDelq ∧ -6.89 < MaxDelq2PublicRecLast12M ∧ -6.27 < MaxDelqEver ∧ NumInstallTradesWBalance < 17.60
Rule 8 with 1.00 for class 0 with likelihood 60.67%: 54.79 < AverageMInFile < 331.65 ∧ NumTrades60Ever2DerogPubRec < 11.75 ∧ NumTradesOpeninLast12M < 7.80 ∧ PercentInstallTrades < 79.63 ∧ -5.14 < NumBank2NatlTradesWHighUtilization < 7.75 ∧ -5.43 < PercentTradesWBalance < 73.61
