Provenance for Decision #103

Decided on: March 24, 2025, 4:32 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:994f02ec-6a01-403b-b06b-01113a15c14b n3 app:applications/65 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-03-24T16:32:32.711000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/65 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_annual_income 104000 cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_email_address vincent95@example.org cs:attr_emp_length 24 cs:attr_emp_title Air cabin crew cs:attr_home_ownership 3 cs:attr_phone_number +443069990490 cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T03:30:13.630186 ann3->n3 n4 app:decisions/103 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2025-03-24T16:32:32.711270 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:bd2eb7b9-1235-4945-92f0-3a1c3be1c703 n6->n3 used n7 app:records/400 n6->n7 used n8 app:records/398 n6->n8 used n10 app:records/399 n6->n10 used n11 app:records/397 n6->n11 used n12 app:creditreports/103 n6->n12 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-03-24T16:32:32.711000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 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 "314.5" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month May-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-24T16:32:32.710375 ann7->n7 n8->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "314.5" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "22.33" %% xsd:float pl:created_at 2025-03-24T16:32:32.709219 ann8->n8 n9 app:models/creditcard_assessment n10->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 "314.5" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "26.5" %% xsd:float pl:created_at 2025-03-24T16:32:32.709822 ann9->n10 n11->n22 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 "314.5" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-24T16:32:32.708373 ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:92d6b5e9-7935-4b92-859b-c7194cfc99e0 n12->n17 wasGeneratedBy b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 736 pl:created_at 2025-03-24T16:32:32.701771 ann11->n12 n13 app:recommendations/103 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b4 n13->b4 wasDerivedFrom b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-03-24T16:32:32.711270 pl:reason cs:low_credit_score ann12->n13 ann13 prov:label Kayleigh Robinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/65/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT 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 2025-03-24T16:32:32.701000+00:00 prov:endTime 2025-03-24T16:32:32.701000+00:00 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/395 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_from_date "2023-05-10" %% xsd:date pl:created_at 2025-03-17T00:00:00 ann18->n19 n20 app:providers/6 ann19 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/396 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_first_confirmed "2025-03-09" %% xsd:date cs:attr_last_confirmed "2024-09-22" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T16:32:32.706852 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n8 b6->n11 b7->n3 b8->n7 b9->n10 b10->n5 b10->n9 plan b11->n13 b12->n3 b13->n16 b14->n15 b15->n7 b16->n19 b17->n21 b18->n8 b19->n10 b20->n11