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Credit Risk Analysis

Data:

$\psfig{figure=figures/credit-outcomes.ps}$

Rules learned from synthesized data:

If   Other-Delinquent-Accounts > 2, and
     Number-Delinquent-Billing-Cycles > 1
Then Profitable-Customer? = No
     [Deny Credit Card application]

If   Other-Delinquent-Accounts = 0, and
     (Income > $30k)  OR  (Years-of-Credit > 3)
Then Profitable-Customer? = Yes
     [Accept Credit Card application]