Provenance for Decision #1085

Decided on: June 18, 2026, 10:03 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:9176a65f-ac33-4a2c-9d77-b4b9f864eb54 n4 app:applications/447 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-06-15T06:32:01.232000+01:00 prov:endTime 2026-06-18T22:03:43.229000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1085 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b32 n3->b32 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 2026-06-18T22:03:43.229778 pl:reason cs:low_credit_score ann3->n3 n35 app:applicants/447 n4->n35 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 6, Susan pines, Wardmouth, UB2B 8SG cs:attr_annual_income 115000 cs:attr_applicant_name Jeffrey Williams cs:attr_dob "1991-01-26" %% xsd:date cs:attr_email_address glenoconnor@example.com cs:attr_emp_length 11 cs:attr_emp_title Commercial horticulturist cs:attr_home_ownership 4 cs:attr_phone_number +441164960892 cs:attr_prev_address 304 Ben forges, Barberborough, L9S 5PZ pl:created_at 2026-06-15T06:32:01.232813 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf n6->n4 used n7 app:records/3581 n6->n7 used n8 app:records/3580 n6->n8 used n9 app:records/3583 n6->n9 used n10 app:records/3582 n6->n10 used n11 app:records/3606 n6->n11 used n12 app:records/3605 n6->n12 used n13 app:creditreports/1085 n6->n13 used n15 app:records/3608 n6->n15 used n16 app:records/3607 n6->n16 used n17 app:records/3609 n6->n17 used n18 app:records/3574 n6->n18 used n19 app:records/3596 n6->n19 used n20 app:records/3573 n6->n20 used n21 app:records/3595 n6->n21 used n22 app:records/3576 n6->n22 used n23 app:records/3575 n6->n23 used n24 app:records/3594 n6->n24 used n25 app:records/3615 n6->n25 used n27 app:records/3616 n6->n27 used n28 app:records/3611 n6->n28 used n29 app:records/3578 n6->n29 used n30 app:records/3577 n6->n30 used n31 app:records/3610 n6->n31 used n32 app:records/3579 n6->n32 used n33 app:records/3619 n6->n33 used n34 app:records/3618 n6->n34 used b31 n6->b31 wasAssociatedWith ann6 prov:startTime 2026-06-15T06:32:01.232000+01:00 prov:endTime 2026-06-18T22:03:43.229000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n37 app:providers/1 n13->n37 wasAttributedTo n38 uuid:a22b7944-78ca-416b-b3bf-1c43d7d2efca n13->n38 wasGeneratedBy b35 n13->b35 wasDerivedFrom b36 n13->b36 wasDerivedFrom b37 n13->b37 wasDerivedFrom b38 n13->b38 wasDerivedFrom b39 n13->b39 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 87 pl:created_at 2026-06-18T22:03:43.222362 ann7->n13 n14 app:models/creditcard_assessment n26 app:recommendations/1085 n26->n5 wasAttributedTo n26->n6 wasGeneratedBy b4 n26->b4 wasDerivedFrom b5 n26->b5 wasDerivedFrom b6 n26->b6 wasDerivedFrom b7 n26->b7 wasDerivedFrom b8 n26->b8 wasDerivedFrom b9 n26->b9 wasDerivedFrom b10 n26->b10 wasDerivedFrom b11 n26->b11 wasDerivedFrom b12 n26->b12 wasDerivedFrom b13 n26->b13 wasDerivedFrom b14 n26->b14 wasDerivedFrom b15 n26->b15 wasDerivedFrom b16 n26->b16 wasDerivedFrom b17 n26->b17 wasDerivedFrom b18 n26->b18 wasDerivedFrom b19 n26->b19 wasDerivedFrom b20 n26->b20 wasDerivedFrom b21 n26->b21 wasDerivedFrom b22 n26->b22 wasDerivedFrom b23 n26->b23 wasDerivedFrom b24 n26->b24 wasDerivedFrom b25 n26->b25 wasDerivedFrom b26 n26->b26 wasDerivedFrom b27 n26->b27 wasDerivedFrom b28 n26->b28 wasDerivedFrom b29 n26->b29 wasDerivedFrom b30 n26->b30 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-06-18T22:03:43.229778 pl:reason cs:low_credit_score ann8->n26 n43 app:providers/14 n33->n43 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 "474.01" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Jun-2026 cs:attr_payment_amount "33.99" %% xsd:float pl:created_at 2026-06-18T22:03:43.228811 ann9->n33 n34->n43 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 "474.01" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-06-18T22:03:43.227795 ann10->n34 ann11 prov:label Jeffrey Williams prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n35 n36 app:applications/447/id b33 n36->b33 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 6, Susan pines, Wardmouth, UB2B 8SG cs:attr_applicant_name Jeffrey Williams cs:attr_dob "1991-01-26" %% xsd:date cs:attr_prev_address 304 Ben forges, Barberborough, L9S 5PZ ann12->n36 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n37 n38->n36 used b34 n38->b34 wasAssociatedWith ann14 prov:startTime 2026-06-18T22:03:43.222000+01:00 prov:endTime 2026-06-18T22:03:43.222000+01:00 prov:type cs:SearchingCreditHistory ann14->n38 n39 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n39 n40 app:records/3571 n40->n39 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 6, Susan pines, Wardmouth, UB2B 8SG cs:attr_from_date "2023-09-21" %% xsd:date pl:created_at 2026-06-08T00:00:00 ann16->n40 n41 app:providers/9 ann17 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n41 n42 app:records/3572 n42->n41 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 6, Susan pines, Wardmouth, UB2B 8SG cs:attr_first_confirmed "2026-06-10" %% xsd:date cs:attr_last_confirmed "2026-02-17" %% xsd:date cs:attr_prev_address 304 Ben forges, Barberborough, L9S 5PZ pl:created_at 2026-06-16T11:06:47.697373 ann18->n42 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n43 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n25 b5->n23 b6->n16 b7->n22 b8->n32 b9->n10 b10->n27 b11->n29 b12->n31 b13->n21 b14->n33 b15->n17 b16->n15 b17->n20 b18->n28 b19->n30 b20->n18 b21->n7 b22->n24 b23->n12 b24->n13 b25->n11 b26->n34 b27->n9 b28->n8 b29->n4 b30->n19 b31->n5 b31->n14 plan b32->n26 b33->n4 b34->n37 b35->n36 b36->n42 b37->n34 b38->n33 b39->n40