Provenance for Decision #1041

Decided on: June 9, 2026, 12:59 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:c7f02c61-27cf-49c8-bba1-76a0af8401d5 n4 app:applications/65 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2026-06-09T12:59:33.959000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1041 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b64 n3->b64 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 2026-06-09T12:59:33.959086 pl:reason cs:low_credit_score ann3->n3 n67 app:applicants/65 n4->n67 wasAttributedTo ann4 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 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:be0aa80d-913e-4536-afee-a7c24c52ff46 n6->n4 used n7 app:records/3486 n6->n7 used n8 app:records/3485 n6->n8 used n9 app:records/3487 n6->n9 used n10 app:records/1460 n6->n10 used n11 app:records/1227 n6->n11 used n12 app:records/3449 n6->n12 used n13 app:records/1228 n6->n13 used n14 app:records/538 n6->n14 used n15 app:records/1229 n6->n15 used n16 app:records/539 n6->n16 used n17 app:records/1465 n6->n17 used n18 app:records/1466 n6->n18 used n19 app:records/3448 n6->n19 used n20 app:records/1226 n6->n20 used n21 app:records/1309 n6->n21 used n22 app:records/3453 n6->n22 used n23 app:records/3452 n6->n23 used n24 app:records/3454 n6->n24 used n25 app:records/1310 n6->n25 used n26 app:records/3097 n6->n26 used n27 app:records/3098 n6->n27 used n28 app:records/3451 n6->n28 used n29 app:records/3450 n6->n29 used n30 app:records/3099 n6->n30 used n31 app:records/2405 n6->n31 used n33 app:records/2406 n6->n33 used n34 app:records/2407 n6->n34 used n35 app:records/3457 n6->n35 used n36 app:records/1311 n6->n36 used n37 app:records/3456 n6->n37 used n38 app:records/1312 n6->n38 used n39 app:records/400 n6->n39 used n40 app:records/1645 n6->n40 used n41 app:records/1646 n6->n41 used n42 app:records/1647 n6->n42 used n43 app:records/3468 n6->n43 used n44 app:records/558 n6->n44 used n45 app:records/3105 n6->n45 used n46 app:records/1367 n6->n46 used n47 app:records/559 n6->n47 used n48 app:records/1368 n6->n48 used n49 app:records/1369 n6->n49 used n50 app:records/557 n6->n50 used n51 app:records/3469 n6->n51 used n52 app:creditreports/1041 n6->n52 used n53 app:records/398 n6->n53 used n55 app:records/399 n6->n55 used n56 app:records/397 n6->n56 used n57 app:records/3475 n6->n57 used n58 app:records/3477 n6->n58 used n59 app:records/3476 n6->n59 used n60 app:records/3471 n6->n60 used n61 app:records/1370 n6->n61 used n62 app:records/3470 n6->n62 used n63 app:records/1371 n6->n63 used n64 app:records/3478 n6->n64 used n65 app:records/541 n6->n65 used n66 app:records/540 n6->n66 used b63 n6->b63 wasAssociatedWith ann6 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2026-06-09T12:59:33.959000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n75 app:providers/14 n7->n75 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 "189.7" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "11.17" %% xsd:float pl:created_at 2026-06-09T12:59:33.957489 ann7->n7 n8->n75 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 "189.7" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-06-09T12:59:33.956509 ann8->n8 n9->n75 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "189.7" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-06-09T12:59:33.958107 ann9->n9 n32 app:recommendations/1041 n32->n5 wasAttributedTo n32->n6 wasGeneratedBy b4 n32->b4 wasDerivedFrom b5 n32->b5 wasDerivedFrom b6 n32->b6 wasDerivedFrom b7 n32->b7 wasDerivedFrom b8 n32->b8 wasDerivedFrom b9 n32->b9 wasDerivedFrom b10 n32->b10 wasDerivedFrom b11 n32->b11 wasDerivedFrom b12 n32->b12 wasDerivedFrom b13 n32->b13 wasDerivedFrom b14 n32->b14 wasDerivedFrom b15 n32->b15 wasDerivedFrom b16 n32->b16 wasDerivedFrom b17 n32->b17 wasDerivedFrom b18 n32->b18 wasDerivedFrom b19 n32->b19 wasDerivedFrom b20 n32->b20 wasDerivedFrom b21 n32->b21 wasDerivedFrom b22 n32->b22 wasDerivedFrom b23 n32->b23 wasDerivedFrom b24 n32->b24 wasDerivedFrom b25 n32->b25 wasDerivedFrom b26 n32->b26 wasDerivedFrom b27 n32->b27 wasDerivedFrom b28 n32->b28 wasDerivedFrom b29 n32->b29 wasDerivedFrom b30 n32->b30 wasDerivedFrom b31 n32->b31 wasDerivedFrom b32 n32->b32 wasDerivedFrom b33 n32->b33 wasDerivedFrom b34 n32->b34 wasDerivedFrom b35 n32->b35 wasDerivedFrom b36 n32->b36 wasDerivedFrom b37 n32->b37 wasDerivedFrom b38 n32->b38 wasDerivedFrom b39 n32->b39 wasDerivedFrom b40 n32->b40 wasDerivedFrom b41 n32->b41 wasDerivedFrom b42 n32->b42 wasDerivedFrom b43 n32->b43 wasDerivedFrom b44 n32->b44 wasDerivedFrom b45 n32->b45 wasDerivedFrom b46 n32->b46 wasDerivedFrom b47 n32->b47 wasDerivedFrom b48 n32->b48 wasDerivedFrom b49 n32->b49 wasDerivedFrom b50 n32->b50 wasDerivedFrom b51 n32->b51 wasDerivedFrom b52 n32->b52 wasDerivedFrom b53 n32->b53 wasDerivedFrom b54 n32->b54 wasDerivedFrom b55 n32->b55 wasDerivedFrom b56 n32->b56 wasDerivedFrom b57 n32->b57 wasDerivedFrom b58 n32->b58 wasDerivedFrom b59 n32->b59 wasDerivedFrom b60 n32->b60 wasDerivedFrom b61 n32->b61 wasDerivedFrom b62 n32->b62 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-06-09T12:59:33.959086 pl:reason cs:low_credit_score ann10->n32 n69 app:providers/1 n52->n69 wasAttributedTo n70 uuid:3bb70325-de2b-4bee-a03e-6b6928803fc1 n52->n70 wasGeneratedBy b66 n52->b66 wasDerivedFrom b68 n52->b68 wasDerivedFrom b69 n52->b69 wasDerivedFrom b70 n52->b70 wasDerivedFrom b71 n52->b71 wasDerivedFrom b72 n52->b72 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 692 pl:created_at 2026-06-09T12:59:33.950903 ann11->n52 n54 app:models/creditcard_assessment ann12 prov:label Kayleigh Robinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n67 n68 app:applications/65/id b65 n68->b65 wasDerivedFrom ann13 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 ann13->n68 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n69 n70->n68 used b67 n70->b67 wasAssociatedWith ann15 prov:startTime 2026-06-09T12:59:33.950000+01:00 prov:endTime 2026-06-09T12:59:33.950000+01:00 prov:type cs:SearchingCreditHistory ann15->n70 n71 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n71 n72 app:records/395 n72->n71 wasAttributedTo ann17 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 ann17->n72 n73 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n73 n74 app:records/396 n74->n73 wasAttributedTo ann19 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 ann19->n74 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n75 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n31 b5->n10 b6->n50 b7->n30 b8->n41 b9->n66 b10->n62 b11->n12 b12->n48 b13->n63 b14->n58 b15->n56 b16->n60 b17->n39 b18->n27 b19->n23 b20->n57 b21->n22 b22->n15 b23->n36 b24->n26 b25->n61 b26->n28 b27->n20 b28->n55 b29->n40 b30->n24 b31->n47 b32->n29 b33->n43 b34->n18 b35->n19 b36->n37 b37->n64 b38->n53 b39->n8 b40->n45 b41->n9 b42->n42 b43->n7 b44->n46 b45->n51 b46->n52 b47->n11 b48->n14 b49->n35 b50->n16 b51->n49 b52->n13 b53->n33 b54->n59 b55->n65 b56->n38 b57->n21 b58->n25 b59->n34 b60->n44 b61->n4 b62->n17 b63->n5 b63->n54 plan b64->n32 b65->n4 b66->n68 b67->n69 b68->n72 b69->n7 b70->n74 b71->n9 b72->n8