Provenance for Decision #1009

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:0b5f4c71-ad72-4f27-9220-356bf7431a4e n4 app:applications/438 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-05-31T18:56:00.217000+01:00 prov:endTime 2026-05-31T18:59:47.049000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1009 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b11 n3->b11 wasDerivedFrom ann3 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2026-05-31T18:59:47.049266 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/438 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 20 Brennan fork, Farmerside, LD0A 9UU cs:attr_annual_income 89000 cs:attr_applicant_name Marcus Gibson-Leonard cs:attr_dob "1969-05-02" %% xsd:date cs:attr_email_address janiceward@example.com cs:attr_emp_length 10 cs:attr_emp_title Editorial assistant cs:attr_home_ownership 2 cs:attr_phone_number +441914960095 cs:attr_prev_address Studio 4, Bernard square, Barbaramouth, AL1M 4LS pl:created_at 2026-05-31T18:56:00.217382 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209 n6->n4 used n7 app:records/3398 n6->n7 used n8 app:records/3399 n6->n8 used n9 app:records/3400 n6->n9 used n11 app:creditreports/1009 n6->n11 used n13 app:records/3401 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-05-31T18:56:00.217000+01:00 prov:endTime 2026-05-31T18:59:47.049000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/14 n7->n22 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 "1252.01" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:59:47.046126 ann7->n7 n8->n22 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 "1252.01" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-31T18:59:47.046936 ann8->n8 n9->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1252.01" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "51.4" %% xsd:float pl:created_at 2026-05-31T18:59:47.047569 ann9->n9 n10 app:models/creditcard_assessment n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:70ea98fb-654e-445c-8ed1-6a28572e4926 n11->n17 wasGeneratedBy b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom b19 n11->b19 wasDerivedFrom b20 n11->b20 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 653 pl:created_at 2026-05-31T18:59:47.038500 ann10->n11 n12 app:recommendations/1009 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-05-31T18:59:47.049266 pl:reason cs:low_credit_score ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1252.01" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "31.4" %% xsd:float pl:created_at 2026-05-31T18:59:47.048283 ann12->n13 ann13 prov:label Marcus Gibson-Leonard prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/438/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 20 Brennan fork, Farmerside, LD0A 9UU cs:attr_applicant_name Marcus Gibson-Leonard cs:attr_dob "1969-05-02" %% xsd:date cs:attr_prev_address Studio 4, Bernard square, Barbaramouth, AL1M 4LS ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2026-05-31T18:59:47.038000+01:00 prov:endTime 2026-05-31T18:59:47.038000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/3396 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 20 Brennan fork, Farmerside, LD0A 9UU cs:attr_from_date "2026-02-06" %% xsd:date pl:created_at 2026-05-04T00:00:00 ann18->n19 n20 app:providers/9 ann19 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/3397 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 20 Brennan fork, Farmerside, LD0A 9UU cs:attr_first_confirmed "2026-05-22" %% xsd:date cs:attr_last_confirmed "2025-12-28" %% xsd:date cs:attr_prev_address Studio 4, Bernard square, Barbaramouth, AL1M 4LS pl:created_at 2026-05-31T18:59:47.044532 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n13 b5->n11 b6->n7 b7->n9 b8->n4 b9->n8 b10->n5 b10->n10 plan b11->n12 b12->n4 b13->n16 b14->n15 b15->n19 b16->n13 b17->n21 b18->n9 b19->n7 b20->n8