Provenance for Decision #1067

Decided on: June 15, 2026, 7:03 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:99917408-ca03-4208-8505-3abe614d2ffd n3 app:applications/446 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-06-13T11:35:02.927000+01:00 prov:endTime 2026-06-15T19:03:08.851000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/446 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 667 Spencer path, West Brianmouth, L08 5ZF cs:attr_annual_income 74000 cs:attr_applicant_name Patricia Taylor cs:attr_dob "1966-12-04" %% xsd:date cs:attr_email_address chelseaharvey@example.org cs:attr_emp_length 14 cs:attr_emp_title Therapist, horticultural cs:attr_home_ownership 2 cs:attr_phone_number (0115) 496 0397 cs:attr_prev_address 240 Jasmine centers, Mitchellton, IG9 4YR pl:created_at 2026-06-13T11:35:02.927958 ann3->n3 n4 app:decisions/1067 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b8 n4->b8 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 2026-06-15T19:03:08.851905 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:fef03536-7871-495e-a2ca-e858d4e5064d n6->n3 used n8 app:creditreports/1067 n6->n8 used n10 app:records/3566 n6->n10 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-06-13T11:35:02.927000+01:00 prov:endTime 2026-06-15T19:03:08.851000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n13 app:providers/1 n8->n13 wasAttributedTo n14 uuid:79169d30-ca5c-4f23-810e-e54b6ae779be n8->n14 wasGeneratedBy b11 n8->b11 wasDerivedFrom b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 245 pl:created_at 2026-06-15T19:03:08.843562 ann7->n8 n9 app:recommendations/1067 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-06-15T19:03:08.851905 pl:reason cs:low_credit_score ann8->n9 n19 app:providers/15 n10->n19 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 "1182.59" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "20.62" %% xsd:float pl:created_at 2026-06-15T19:03:08.850565 ann9->n10 ann10 prov:label Patricia Taylor prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/446/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 667 Spencer path, West Brianmouth, L08 5ZF cs:attr_applicant_name Patricia Taylor cs:attr_dob "1966-12-04" %% xsd:date cs:attr_prev_address 240 Jasmine centers, Mitchellton, IG9 4YR ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b10 n14->b10 wasAssociatedWith ann13 prov:startTime 2026-06-15T19:03:08.843000+01:00 prov:endTime 2026-06-15T19:03:08.843000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/3564 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 667 Spencer path, West Brianmouth, L08 5ZF cs:attr_from_date "2024-12-02" %% xsd:date pl:created_at 2026-05-25T00:00:00 ann15->n16 n17 app:providers/12 ann16 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/3565 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 667 Spencer path, West Brianmouth, L08 5ZF cs:attr_first_confirmed "2026-06-02" %% xsd:date cs:attr_last_confirmed "2025-09-18" %% xsd:date cs:attr_prev_address 240 Jasmine centers, Mitchellton, IG9 4YR pl:created_at 2026-06-15T19:03:08.849097 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n3 b6->n8 b7->n10 b8->n9 b9->n3 b10->n13 b11->n12 b12->n18 b13->n10 b14->n16