Rule 16 with 9.47 for class 1 with likelihood 80.03%: ExternalRiskEstimate < 91.81 ∧ 11.22 < PercentTradesNeverDelq < 83.32 ∧ MSinceMostRecentDelq < 18.15 ∧ MaxDelq2PublicRecLast12M < 7.70 ∧ -8.34 < MaxDelqEver ∧ -7.50 < MSinceMostRecentInqexcl7days < 19.96
Rule 28 with 8.62 for class 1 with likelihood 79.27%: 3.50 < ExternalRiskEstimate < 67.50 ∧ MSinceMostRecentInqexcl7days < 1.38
Rule 20 with 7.28 for class 1 with likelihood 71.54%: -2.91 < ExternalRiskEstimate < 72.04 ∧ 21.96 < PercentTradesNeverDelq ∧ -6.66 < MaxDelqEver ∧ -7.54 < MSinceMostRecentInqexcl7days < 0.30
Rule 7 with 6.21 for class 0 with likelihood 79.44%: MSinceMostRecentTradeOpen < 369.84 ∧ 80.08 < AverageMInFile < 355.94 ∧ 5.59 < PercentInstallTrades < 91.55 ∧ -4.57 < NumRevolvingTradesWBalance < 27.80 ∧ -4.98 < NumBank2NatlTradesWHighUtilization < 0.49 ∧ -6.34 < PercentTradesWBalance
Rule 6 with 5.42 for class 0 with likelihood 75.52%: MSinceMostRecentTradeOpen < 376.84 ∧ 49.05 < AverageMInFile < 367.89 ∧ -8.13 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.88 ∧ NumTrades90Ever2DerogPubRec < 16.62 ∧ NumTradesOpeninLast12M < 14.08 ∧ PercentInstallTrades < 47.54 ∧ NumInqLast6M < 44.14 ∧ NumInqLast6Mexcl7days < 44.17 ∧ NumRevolvingTradesWBalance < 26.74 ∧ -6.50 < NumBank2NatlTradesWHighUtilization < 0.61 ∧ 19.82 < PercentTradesWBalance
Rule 1 with 4.85 for class 0 with likelihood 74.68%: MSinceMostRecentTradeOpen < 368.50 ∧ 65.92 < AverageMInFile < 340.86 ∧ 12.97 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.45 ∧ NumTrades90Ever2DerogPubRec < 16.37 ∧ NumTradesOpeninLast12M < 15.47 ∧ -7.92 < PercentInstallTrades < 95.70 ∧ NumInqLast6M < 45.08 ∧ NumInqLast6Mexcl7days < 45.09 ∧ -3.70 < NumRevolvingTradesWBalance < 26.75 ∧ NumBank2NatlTradesWHighUtilization < 1.52 ∧ 5.98 < PercentTradesWBalance < 96.97
Rule 0 with 4.61 for class 0 with likelihood 74.35%: MSinceMostRecentTradeOpen < 370.35 ∧ 66.78 < AverageMInFile < 339.00 ∧ 15.96 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 12.10 ∧ NumTrades90Ever2DerogPubRec < 16.33 ∧ NumTradesOpeninLast12M < 14.70 ∧ -7.41 < PercentInstallTrades < 94.87 ∧ NumInqLast6M < 44.88 ∧ NumInqLast6Mexcl7days < 44.89 ∧ -3.62 < NumRevolvingTradesWBalance < 26.19 ∧ NumBank2NatlTradesWHighUtilization < 2.45 ∧ 10.31 < PercentTradesWBalance < 82.00
Rule 9 with 4.39 for class 0 with likelihood 75.30%: 67.69 < AverageMInFile < 363.59 ∧ NumTradesOpeninLast12M < 15.13 ∧ 5.48 < PercentInstallTrades < 88.49 ∧ -2.71 < NumRevolvingTradesWBalance < 27.63 ∧ -5.71 < NumBank2NatlTradesWHighUtilization < 0.34
Rule 27 with 4.37 for class 1 with likelihood 56.91%: -0.54 < ExternalRiskEstimate < 82.97 ∧ 25.03 < PercentTradesNeverDelq ∧ -6.53 < MSinceMostRecentInqexcl7days < 1.30
Rule 19 with 4.06 for class 1 with likelihood 58.13%: ExternalRiskEstimate < 71.26 ∧ MSinceMostRecentInqexcl7days < 20.35
Rule 29 with 4.04 for class 1 with likelihood 59.48%: ExternalRiskEstimate < 71.07 ∧ 15.37 < PercentTradesNeverDelq ∧ -6.43 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.65
Rule 26 with 4.00 for class 1 with likelihood 57.54%: ExternalRiskEstimate < 70.02 ∧ MSinceMostRecentInqexcl7days < 20.31
Rule 23 with 3.92 for class 1 with likelihood 60.63%: ExternalRiskEstimate < 90.59 ∧ 47.22 < NetFractionRevolvingBurden
Rule 21 with 3.85 for class 1 with likelihood 59.80%: ExternalRiskEstimate < 90.05 ∧ -7.56 < MaxDelqEver ∧ -4.56 < MSinceMostRecentInqexcl7days ∧ 53.03 < NetFractionRevolvingBurden
Rule 18 with 3.55 for class 1 with likelihood 61.50%: -5.78 < ExternalRiskEstimate < 70.95 ∧ 16.84 < PercentTradesNeverDelq ∧ -6.37 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 23.98
Rule 25 with 3.01 for class 1 with likelihood 54.73%: ExternalRiskEstimate < 77.30 ∧ -8.13 < NumTrades60Ever2DerogPubRec ∧ -8.18 < NumTrades90Ever2DerogPubRec ∧ 12.71 < PercentTradesNeverDelq ∧ NumTotalTrades < 95.82 ∧ -7.94 < NumTradesOpeninLast12M ∧ MSinceMostRecentInqexcl7days < 0.43 ∧ -7.91 < NumInqLast6M ∧ -7.92 < NumInqLast6Mexcl7days ∧ NumInstallTradesWBalance < 18.26
Rule 17 with 2.90 for class 1 with likelihood 57.85%: -1.92 < ExternalRiskEstimate < 69.83 ∧ 18.30 < PercentTradesNeverDelq ∧ -6.51 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 18.43
Rule 22 with 2.84 for class 1 with likelihood 58.03%: -8.24 < ExternalRiskEstimate < 68.32 ∧ MSinceMostRecentInqexcl7days < 19.75 ∧ -3.12 < NetFractionRevolvingBurden
Rule 24 with 2.77 for class 1 with likelihood 56.01%: -3.75 < ExternalRiskEstimate < 72.91 ∧ 9.18 < PercentTradesNeverDelq ∧ -6.76 < MaxDelqEver ∧ MSinceMostRecentInqexcl7days < 16.46 ∧ NumInstallTradesWBalance < 18.18
Rule 2 with 2.69 for class 0 with likelihood 69.60%: MSinceMostRecentTradeOpen < 375.87 ∧ 75.19 < AverageMInFile < 349.62 ∧ NumTradesOpeninLast12M < 14.77 ∧ 8.21 < PercentInstallTrades < 93.79 ∧ -3.15 < NumRevolvingTradesWBalance < 26.86 ∧ -6.43 < NumBank2NatlTradesWHighUtilization < 3.68 ∧ -6.58 < PercentTradesWBalance < 91.93
Rule 3 with 2.66 for class 0 with likelihood 68.28%: 49.96 < AverageMInFile < 360.85 ∧ PercentInstallTrades < 82.23 ∧ -4.44 < NumBank2NatlTradesWHighUtilization < 2.40 ∧ 10.23 < PercentTradesWBalance < 75.77
Rule 4 with 2.63 for class 0 with likelihood 63.83%: 262.14 < MSinceOldestTradeOpen ∧ 92.41 < AverageMInFile < 349.01 ∧ -8.92 < NumTradesOpeninLast12M < 15.40 ∧ 18.70 < PercentInstallTrades < 91.74 ∧ NumBank2NatlTradesWHighUtilization < 7.17
Rule 15 with 2.45 for class 1 with likelihood 53.53%: ExternalRiskEstimate < 70.28 ∧ MSinceMostRecentInqexcl7days < 20.63
Rule 10 with 2.45 for class 0 with likelihood 64.95%: 30.76 < AverageMInFile < 363.73 ∧ -8.10 < NumSatisfactoryTrades ∧ NumTrades60Ever2DerogPubRec < 9.13 ∧ NumTrades90Ever2DerogPubRec < 16.83 ∧ NumTradesOpeninLast12M < 14.88 ∧ PercentInstallTrades < 83.21 ∧ -8.59 < NumRevolvingTradesWBalance < 27.05 ∧ -4.75 < NumBank2NatlTradesWHighUtilization < 2.43 ∧ 7.82 < PercentTradesWBalance < 77.30
Rule 11 with 1.89 for class 0 with likelihood 66.53%: 28.84 < AverageMInFile < 359.61 ∧ PercentInstallTrades < 72.68 ∧ -7.62 < NumRevolvingTradesWBalance < 27.11 ∧ -4.42 < NumBank2NatlTradesWHighUtilization < 2.32 ∧ 7.23 < PercentTradesWBalance < 74.38
Rule 5 with 1.72 for class 0 with likelihood 65.58%: 35.11 < AverageMInFile < 331.72 ∧ -5.31 < PercentInstallTrades < 81.90 ∧ -5.88 < NumBank2NatlTradesWHighUtilization < 5.35 ∧ 14.44 < PercentTradesWBalance < 70.78
Rule 8 with 1.63 for class 0 with likelihood 61.27%: 215.61 < MSinceOldestTradeOpen ∧ 80.66 < AverageMInFile < 344.70 ∧ 5.26 < PercentInstallTrades < 89.82 ∧ NumBank2NatlTradesWHighUtilization < 3.40 ∧ -3.87 < PercentTradesWBalance
Rule 13 with 1.52 for class 0 with likelihood 63.62%: 35.37 < AverageMInFile < 362.79 ∧ PercentInstallTrades < 79.69 ∧ -5.02 < NumBank2NatlTradesWHighUtilization < 15.89 ∧ 15.35 < PercentTradesWBalance < 64.97
Rule 14 with 1.42 for class 0 with likelihood 63.28%: 48.56 < AverageMInFile < 345.01 ∧ 31.13 < NumSatisfactoryTrades ∧ -8.91 < NumTrades60Ever2DerogPubRec < 14.60 ∧ -8.82 < NumTradesOpeninLast12M < 15.38 ∧ PercentInstallTrades < 80.54 ∧ -6.12 < NumBank2NatlTradesWHighUtilization < 4.33 ∧ 10.24 < PercentTradesWBalance < 72.27
Rule 12 with 1.00 for class 0 with likelihood 60.90%: 146.71 < MSinceOldestTradeOpen ∧ 52.52 < AverageMInFile < 324.07 ∧ NumTradesOpeninLast12M < 15.41 ∧ PercentInstallTrades < 81.59 ∧ -5.78 < NumBank2NatlTradesWHighUtilization < 6.27 ∧ 14.26 < PercentTradesWBalance < 72.99
