Provenance for Decision #1007

Decided on: May 31, 2026, 6:58 p.m.

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G n1 app:the_bank ann1 prov:label Some bank prov:type cs:RetailBank prov:type pl:DataController prov:type prov:Organization ann1->n1 n2 uuid:0e275844-601b-44ba-a974-83ffa9540b51 n3 app:applications/435 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-05-29T06:36:21.552000+01:00 prov:endTime 2026-05-31T18:58:01.561000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/435 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 621 Karl centers, West Albertburgh, KY25 4XQ cs:attr_annual_income 99000 cs:attr_applicant_name Louise Roberts cs:attr_dob "1992-09-29" %% xsd:date cs:attr_email_address frederick16@example.org cs:attr_emp_length 7 cs:attr_emp_title Trading standards officer cs:attr_home_ownership 1 cs:attr_phone_number 01614960423 cs:attr_prev_address 8 Taylor shores, Simonmouth, E88 3LX pl:created_at 2026-05-29T06:36:21.552402 ann3->n3 n4 app:decisions/1007 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2026-05-31T18:58:01.561727 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:67cd59a9-f93e-4070-bec4-64640ee2c496 n6->n3 used n7 app:records/3388 n6->n7 used n9 app:records/3389 n6->n9 used n10 app:creditreports/1007 n6->n10 used n12 app:records/3390 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2026-05-29T06:36:21.552000+01:00 prov:endTime 2026-05-31T18:58:01.561000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/14 n7->n21 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "452.83" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:58:01.559410 ann7->n7 n8 app:models/creditcard_assessment n9->n21 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "452.83" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:58:01.560196 ann8->n9 n15 app:providers/1 n10->n15 wasAttributedTo n16 uuid:14471b18-7650-4caf-81e5-7371c5ff774d n10->n16 wasGeneratedBy b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 474 pl:created_at 2026-05-31T18:58:01.552583 ann9->n10 n11 app:recommendations/1007 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-05-31T18:58:01.561727 pl:reason cs:low_credit_score ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "452.83" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:58:01.560808 ann11->n12 ann12 prov:label Louise Roberts prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/435/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 621 Karl centers, West Albertburgh, KY25 4XQ cs:attr_applicant_name Louise Roberts cs:attr_dob "1992-09-29" %% xsd:date cs:attr_prev_address 8 Taylor shores, Simonmouth, E88 3LX ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2026-05-31T18:58:01.552000+01:00 prov:endTime 2026-05-31T18:58:01.552000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/3386 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 621 Karl centers, West Albertburgh, KY25 4XQ cs:attr_from_date "2025-09-18" %% xsd:date pl:created_at 2026-05-24T00:00:00 ann17->n18 n19 app:providers/5 ann18 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/3387 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 621 Karl centers, West Albertburgh, KY25 4XQ cs:attr_first_confirmed "2026-05-09" %% xsd:date cs:attr_last_confirmed "2026-01-31" %% xsd:date cs:attr_prev_address 8 Taylor shores, Simonmouth, E88 3LX pl:created_at 2026-05-31T18:58:01.557909 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n9 b6->n3 b7->n10 b8->n7 b9->n5 b9->n8 plan b10->n11 b11->n3 b12->n15 b13->n14 b14->n12 b15->n20 b16->n7 b17->n18 b18->n9