Provenance for Decision #1072

Decided on: June 17, 2026, 9:43 a.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:a9900fc0-7328-483f-a324-0cb0495082a4 n4 app:applications/439 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-05-31T19:43:56.655000+01:00 prov:endTime 2026-06-17T09:43:12.300000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1072 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b13 n3->b13 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 2026-06-17T09:43:12.300298 pl:reason cs:low_credit_score ann3->n3 n16 app:applicants/439 n4->n16 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 59, Cheryl mews, Brownfort, WV42 9PB cs:attr_annual_income 24000 cs:attr_applicant_name Tracey Mason cs:attr_dob "1970-05-26" %% xsd:date cs:attr_email_address ecooper@example.net cs:attr_emp_length 22 cs:attr_emp_title Economist cs:attr_home_ownership 3 cs:attr_phone_number (0121) 4960883 cs:attr_prev_address 110 Maureen land, Waltersshire, S5K 2HJ pl:created_at 2026-05-31T19:43:56.655016 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:177b33e4-ed6a-4d07-99c7-4463631d412e n6->n4 used n7 app:records/3584 n6->n7 used n8 app:creditreports/1072 n6->n8 used n10 app:records/3516 n6->n10 used n11 app:records/3515 n6->n11 used n12 app:records/3405 n6->n12 used n14 app:records/3514 n6->n14 used n15 app:records/3404 n6->n15 used b12 n6->b12 wasAssociatedWith ann6 prov:startTime 2026-05-31T19:43:56.655000+01:00 prov:endTime 2026-06-17T09:43:12.300000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n24 app:providers/14 n7->n24 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 "128.23" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.61" %% xsd:float pl:created_at 2026-06-17T09:43:12.298959 ann7->n7 n18 app:providers/1 n8->n18 wasAttributedTo n19 uuid:904deb14-cb60-4725-9495-7f09c03bff0b n8->n19 wasGeneratedBy b15 n8->b15 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom b19 n8->b19 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 351 pl:created_at 2026-06-17T09:43:12.293283 ann8->n8 n9 app:models/creditcard_assessment n13 app:recommendations/1072 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 b10 n13->b10 wasDerivedFrom b11 n13->b11 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-06-17T09:43:12.300298 pl:reason cs:low_credit_score ann9->n13 ann10 prov:label Tracey Mason prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n16 n17 app:applications/439/id b14 n17->b14 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 59, Cheryl mews, Brownfort, WV42 9PB cs:attr_applicant_name Tracey Mason cs:attr_dob "1970-05-26" %% xsd:date cs:attr_prev_address 110 Maureen land, Waltersshire, S5K 2HJ ann11->n17 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n18 n19->n17 used b16 n19->b16 wasAssociatedWith ann13 prov:startTime 2026-06-17T09:43:12.293000+01:00 prov:endTime 2026-06-17T09:43:12.293000+01:00 prov:type cs:SearchingCreditHistory ann13->n19 n20 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n20 n21 app:records/3402 n21->n20 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 59, Cheryl mews, Brownfort, WV42 9PB cs:attr_from_date "2024-01-11" %% xsd:date pl:created_at 2026-05-03T00:00:00 ann15->n21 n22 app:providers/6 ann16 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n22 n23 app:records/3403 n23->n22 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 59, Cheryl mews, Brownfort, WV42 9PB cs:attr_first_confirmed "2026-05-01" %% xsd:date cs:attr_last_confirmed "2025-08-09" %% xsd:date cs:attr_prev_address 110 Maureen land, Waltersshire, S5K 2HJ pl:created_at 2026-05-31T20:50:40.453259 ann17->n23 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n24 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n4 b5->n15 b6->n8 b7->n14 b8->n7 b9->n11 b10->n12 b11->n10 b12->n5 b12->n9 plan b13->n13 b14->n4 b15->n17 b16->n18 b17->n23 b18->n7 b19->n21