Provenance for Decision #1044

Decided on: June 11, 2026, 7:10 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:fceeaf18-583b-4cda-8dbe-deb05ff228a5 n4 app:applications/442 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-06-08T10:03:46.805000+01:00 prov:endTime 2026-06-11T19:10:12.482000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1044 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b9 n3->b9 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 2026-06-11T19:10:12.482998 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/442 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS cs:attr_annual_income 81000 cs:attr_applicant_name Josh Smith cs:attr_dob "2003-10-02" %% xsd:date cs:attr_email_address claire08@example.com cs:attr_emp_length 1 cs:attr_emp_title Production assistant, radio cs:attr_home_ownership 1 cs:attr_phone_number (029)2018403 cs:attr_prev_address 556 Phillip mission, South Sylviaville, B97 1UQ pl:created_at 2026-06-08T10:03:46.805769 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:03faa153-9167-4096-911b-d372084adf94 n6->n4 used n7 app:records/3496 n6->n7 used n9 app:records/3495 n6->n9 used n11 app:creditreports/1044 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-06-08T10:03:46.805000+01:00 prov:endTime 2026-06-11T19:10:12.482000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/14 n7->n20 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 "349.11" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "16.41" %% xsd:float pl:created_at 2026-06-11T19:10:12.481426 ann7->n7 n8 app:models/creditcard_assessment n9->n20 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 "349.11" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "23.48" %% xsd:float pl:created_at 2026-06-11T19:10:12.480201 ann8->n9 n10 app:recommendations/1044 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-06-11T19:10:12.482998 pl:reason cs:low_credit_score ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:68a0b974-1295-4774-939a-13588ede9fc0 n11->n15 wasGeneratedBy b12 n11->b12 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 231 pl:created_at 2026-06-11T19:10:12.468158 ann10->n11 ann11 prov:label Josh Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/442/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS cs:attr_applicant_name Josh Smith cs:attr_dob "2003-10-02" %% xsd:date cs:attr_prev_address 556 Phillip mission, South Sylviaville, B97 1UQ ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2026-06-11T19:10:12.468000+01:00 prov:endTime 2026-06-11T19:10:12.468000+01:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/3493 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS cs:attr_from_date "2024-01-26" %% xsd:date pl:created_at 2026-06-04T00:00:00 ann16->n17 n18 app:providers/3 ann17 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/3494 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS cs:attr_first_confirmed "2026-05-18" %% xsd:date cs:attr_last_confirmed "2025-10-27" %% xsd:date cs:attr_prev_address 556 Phillip mission, South Sylviaville, B97 1UQ pl:created_at 2026-06-11T19:10:12.477281 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n11 b5->n7 b6->n9 b7->n4 b8->n5 b8->n8 plan b9->n10 b10->n4 b11->n14 b12->n13 b13->n19 b14->n9 b15->n7 b16->n17