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What is the prediction for defaulting on credit for an individual who has not missed payments, owns a car and a house, and has a

What is the prediction for defaulting on credit for an individual who has not missed payments, owns a car and a house, and has a 30% credit utilization?
What is the prediction for defaulting on credit for an individual who has missed payments, does not have any assets, and has a 30% credit utilization? for a classification decision tree

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