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Decision tree (DT) is one of the most popular classification algorithms in data mining and machine learning. However, the performance of DT based credit scoring model is often relatively poorer than other techniques. This is mainly due to two reasons: DT is easily affected by (1) the noise data and (2) the redundant attributes of data under the circumstance of credit scoring. In this study, we propose two dual strategy ensemble trees: RS-Bagging DT and Bagging-RS DT, which are based on two ensemble strategies: bagging and random subspace, to reduce the influences of the noise data and the redundant attributes of data and to get the relatively higher classification accuracy. Two real world credit datasets are selected to demonstrate the effectiveness and feasibility of proposed methods. Experimental results reveal that single DT gets the lowest average accuracy among five single classifiers, i.e., Logistic …