Rule 24 with 8.59 for class 1 with likelihood 79.47%: ExternalRiskEstimate < 69.04 ∧ 9.59 < PercentTradesNeverDelq ∧ MSinceMostRecentInqexcl7days < 1.37 ∧ NumInstallTradesWBalance < 17.07
Rule 14 with 7.82 for class 1 with likelihood 72.73%: ExternalRiskEstimate < 93.95 ∧ 9.24 < PercentTradesNeverDelq < 87.43 ∧ -7.32 < MSinceMostRecentInqexcl7days < 22.60
Rule 9 with 6.08 for class 0 with likelihood 81.47%: MSinceMostRecentTradeOpen < 367.49 ∧ 82.34 < AverageMInFile < 351.12 ∧ 12.18 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.21 ∧ NumTrades90Ever2DerogPubRec < 14.88 ∧ NumTradesOpeninLast12M < 12.16 ∧ -8.71 < PercentInstallTrades < 89.66 ∧ NumInqLast6M < 63.19 ∧ NumInqLast6Mexcl7days < 63.22 ∧ -3.73 < NumRevolvingTradesWBalance < 27.77 ∧ -8.38 < NumBank2NatlTradesWHighUtilization < 0.44
Rule 23 with 5.12 for class 1 with likelihood 64.89%: -2.24 < ExternalRiskEstimate < 88.38 ∧ MSinceMostRecentInqexcl7days < 18.14 ∧ 52.59 < NetFractionRevolvingBurden
Rule 8 with 5.06 for class 0 with likelihood 76.08%: MSinceMostRecentTradeOpen < 371.67 ∧ 62.27 < AverageMInFile < 367.63 ∧ NumTrades60Ever2DerogPubRec < 9.36 ∧ NumTrades90Ever2DerogPubRec < 15.69 ∧ NumTradesOpeninLast12M < 9.76 ∧ -3.91 < PercentInstallTrades < 86.79 ∧ NumInqLast6M < 63.87 ∧ NumInqLast6Mexcl7days < 63.90 ∧ -2.96 < NumRevolvingTradesWBalance < 26.69 ∧ -5.07 < NumBank2NatlTradesWHighUtilization < 0.40
Rule 15 with 4.37 for class 1 with likelihood 59.18%: ExternalRiskEstimate < 74.96 ∧ -7.57 < NumTrades60Ever2DerogPubRec ∧ -7.65 < NumTrades90Ever2DerogPubRec ∧ 21.46 < PercentTradesNeverDelq ∧ MSinceMostRecentDelq < 72.09 ∧ -5.94 < MaxDelqEver ∧ -7.25 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < -0.38 ∧ -7.19 < NumInqLast6M ∧ -7.21 < NumInqLast6Mexcl7days
Rule 18 with 4.18 for class 1 with likelihood 61.24%: -0.20 < ExternalRiskEstimate < 74.73 ∧ 20.17 < PercentTradesNeverDelq ∧ MSinceMostRecentDelq < 58.06 ∧ MSinceMostRecentInqexcl7days < 0.86
Rule 19 with 3.57 for class 1 with likelihood 56.72%: ExternalRiskEstimate < 73.74 ∧ MSinceMostRecentInqexcl7days < 20.29
Rule 2 with 3.26 for class 0 with likelihood 71.46%: 59.55 < AverageMInFile < 364.75 ∧ -2.81 < PercentInstallTrades < 74.97 ∧ -4.32 < NumBank2NatlTradesWHighUtilization < 2.54 ∧ PercentTradesWBalance < 83.94
Rule 22 with 3.22 for class 1 with likelihood 58.57%: ExternalRiskEstimate < 72.29 ∧ 10.30 < PercentTradesNeverDelq ∧ -6.66 < MaxDelqEver
Rule 21 with 3.22 for class 1 with likelihood 56.76%: ExternalRiskEstimate < 71.97 ∧ 15.88 < PercentTradesNeverDelq ∧ -6.01 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 21.69 ∧ NumInstallTradesWBalance < 15.32
Rule 17 with 3.19 for class 1 with likelihood 55.36%: ExternalRiskEstimate < 73.37 ∧ 0.70 < PercentTradesNeverDelq ∧ -7.48 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 14.76
Rule 12 with 2.63 for class 1 with likelihood 54.99%: ExternalRiskEstimate < 70.21 ∧ 18.42 < PercentTradesNeverDelq ∧ -6.15 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 20.28 ∧ NumInstallTradesWBalance < 15.81
Rule 13 with 2.61 for class 1 with likelihood 55.13%: ExternalRiskEstimate < 71.58 ∧ 15.60 < PercentTradesNeverDelq ∧ -5.67 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.53
Rule 6 with 2.59 for class 0 with likelihood 67.23%: PercentInstallTrades < 83.86 ∧ -4.96 < NumBank2NatlTradesWHighUtilization < 4.46 ∧ PercentTradesWBalance < 61.95
Rule 7 with 2.46 for class 0 with likelihood 70.57%: MSinceMostRecentTradeOpen < 377.45 ∧ 67.68 < AverageMInFile < 365.69 ∧ -6.74 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 14.11 ∧ NumTrades90Ever2DerogPubRec < 16.65 ∧ NumTradesOpeninLast12M < 8.96 ∧ PercentInstallTrades < 82.62 ∧ NumInqLast6M < 63.09 ∧ NumInqLast6Mexcl7days < 63.12 ∧ -7.89 < NumRevolvingTradesWBalance < 27.00 ∧ -3.96 < NumBank2NatlTradesWHighUtilization < 3.47 ∧ 9.69 < PercentTradesWBalance < 89.23
Rule 10 with 2.41 for class 0 with likelihood 68.38%: 91.00 < MSinceOldestTradeOpen ∧ 86.43 < AverageMInFile < 350.74 ∧ -8.97 < NumTradesOpeninLast12M < 11.01 ∧ -0.72 < PercentInstallTrades < 88.78 ∧ NumRevolvingTradesWBalance < 27.27 ∧ NumBank2NatlTradesWHighUtilization < 4.00
Rule 11 with 2.36 for class 0 with likelihood 69.47%: 53.52 < AverageMInFile < 364.83 ∧ PercentInstallTrades < 83.96 ∧ -4.40 < NumBank2NatlTradesWHighUtilization < 2.82 ∧ -5.76 < PercentTradesWBalance < 74.00
Rule 20 with 2.36 for class 1 with likelihood 54.27%: ExternalRiskEstimate < 69.76 ∧ MSinceMostRecentInqexcl7days < 18.97
Rule 16 with 2.31 for class 1 with likelihood 54.72%: ExternalRiskEstimate < 67.54 ∧ -7.86 < NumTrades60Ever2DerogPubRec ∧ -7.92 < NumTrades90Ever2DerogPubRec ∧ 12.08 < PercentTradesNeverDelq ∧ -6.61 < MaxDelqEver ∧ -7.60 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 16.00 ∧ -7.54 < NumInqLast6M ∧ -7.56 < NumInqLast6Mexcl7days
Rule 1 with 2.09 for class 0 with likelihood 66.66%: PercentInstallTrades < 81.46 ∧ -5.26 < NumBank2NatlTradesWHighUtilization < 3.41 ∧ PercentTradesWBalance < 65.93
Rule 5 with 1.83 for class 0 with likelihood 65.71%: 100.28 < MSinceOldestTradeOpen ∧ 73.10 < AverageMInFile < 360.16 ∧ NumTradesOpeninLast12M < 10.97 ∧ -0.80 < PercentInstallTrades < 71.78 ∧ NumRevolvingTradesWBalance < 26.66 ∧ -6.99 < NumBank2NatlTradesWHighUtilization < 3.25
Rule 0 with 1.49 for class 0 with likelihood 62.77%: NumTrades60Ever2DerogPubRec < 11.44 ∧ NumTradesOpeninLast12M < 5.90 ∧ PercentInstallTrades < 80.04 ∧ -5.42 < NumBank2NatlTradesWHighUtilization < 4.70 ∧ PercentTradesWBalance < 64.73
Rule 3 with 1.48 for class 0 with likelihood 64.77%: 139.56 < MSinceOldestTradeOpen ∧ 62.23 < AverageMInFile < 344.77 ∧ -2.03 < PercentInstallTrades < 78.11 ∧ -8.58 < NumBank2NatlTradesWHighUtilization < 2.24 ∧ 1.13 < PercentTradesWBalance < 96.44
Rule 4 with 1.00 for class 0 with likelihood 62.93%: 126.34 < MSinceOldestTradeOpen ∧ PercentInstallTrades < 79.43 ∧ -4.35 < NumBank2NatlTradesWHighUtilization < 15.15 ∧ -1.69 < PercentTradesWBalance < 67.97
