Provenance for Decision #1008

Decided on: May 31, 2026, 6:59 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:d214f859-cb95-4159-b5ff-825f824027f3 n3 app:applications/436 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-05-29T06:42:39.451000+01:00 prov:endTime 2026-05-31T18:59:37.052000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/436 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 7, Smith light, Joanneport, EX4N 9UH cs:attr_annual_income 104000 cs:attr_applicant_name Antony Thomson cs:attr_dob "1994-04-17" %% xsd:date cs:attr_email_address qbarnes@example.org cs:attr_emp_length 2 cs:attr_emp_title Nurse, mental health cs:attr_home_ownership 4 cs:attr_phone_number (0115) 4960624 cs:attr_prev_address 52 Patel burg, Lake Phillip, S1W 6RG pl:created_at 2026-05-29T06:42:39.451984 ann3->n3 n4 app:decisions/1008 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 2026-05-31T18:59:37.052686 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:354da128-f41f-44be-a881-79b12e85b12e n6->n3 used n8 app:records/3393 n6->n8 used n9 app:records/3394 n6->n9 used n11 app:records/3395 n6->n11 used n12 app:creditreports/1008 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2026-05-29T06:42:39.451000+01:00 prov:endTime 2026-05-31T18:59:37.052000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n21 app:providers/15 n8->n21 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1028.1" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "50.58" %% xsd:float pl:created_at 2026-05-31T18:59:37.050428 ann7->n8 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 "1028.1" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:59:37.051190 ann8->n9 n10 app:recommendations/1008 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-05-31T18:59:37.052686 pl:reason cs:low_credit_score ann9->n10 n11->n21 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1028.1" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:59:37.051795 ann10->n11 n15 app:providers/1 n12->n15 wasAttributedTo n16 uuid:afa07b18-b704-43b3-b4c5-311d9f0d2157 n12->n16 wasGeneratedBy b13 n12->b13 wasDerivedFrom b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 280 pl:created_at 2026-05-31T18:59:37.043731 ann11->n12 ann12 prov:label Antony Thomson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/436/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 7, Smith light, Joanneport, EX4N 9UH cs:attr_applicant_name Antony Thomson cs:attr_dob "1994-04-17" %% xsd:date cs:attr_prev_address 52 Patel burg, Lake Phillip, S1W 6RG 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 2026-05-31T18:59:37.043000+01:00 prov:endTime 2026-05-31T18:59:37.043000+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/3391 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 7, Smith light, Joanneport, EX4N 9UH cs:attr_from_date "2024-01-21" %% xsd:date pl:created_at 2026-05-25T00:00:00 ann17->n18 n19 app:providers/12 ann18 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/3392 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 7, Smith light, Joanneport, EX4N 9UH cs:attr_first_confirmed "2026-05-18" %% xsd:date cs:attr_last_confirmed "2025-09-28" %% xsd:date cs:attr_prev_address 52 Patel burg, Lake Phillip, S1W 6RG pl:created_at 2026-05-31T18:59:37.048964 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n8 b6->n9 b7->n3 b8->n11 b9->n5 b9->n7 plan b10->n10 b11->n3 b12->n15 b13->n14 b14->n18 b15->n20 b16->n8 b17->n9 b18->n11