Provenance for Decision #1092

Decided on: June 19, 2026, 11:28 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:a27ecc05-b16c-484c-bafe-5724b1589cb0 n3 app:applications/448 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-06-15T17:19:37.317000+01:00 prov:endTime 2026-06-19T11:28:33.122000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n26 app:applicants/448 n3->n26 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 5 Brown spur, Bradshawfurt, E7S 4WW cs:attr_annual_income 80000 cs:attr_applicant_name Vanessa Sykes cs:attr_dob "2005-07-27" %% xsd:date cs:attr_email_address bishopbryan@example.com cs:attr_emp_length 0 cs:attr_emp_title Hospital pharmacist cs:attr_home_ownership 2 cs:attr_phone_number +44306 999 0095 cs:attr_prev_address 263 Sara via, Garrymouth, S0D 0RN pl:created_at 2026-06-15T17:19:37.317719 ann3->n3 n4 app:decisions/1092 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b23 n4->b23 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 2026-06-19T11:28:33.122966 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:535a4447-69e3-4b8e-95bb-2b4e3e2051c3 n6->n3 used n7 app:records/3631 n6->n7 used n8 app:records/3620 n6->n8 used n9 app:records/3630 n6->n9 used n11 app:records/3626 n6->n11 used n12 app:records/3625 n6->n12 used n13 app:records/3614 n6->n13 used n14 app:records/3628 n6->n14 used n15 app:records/3617 n6->n15 used n16 app:records/3627 n6->n16 used n17 app:records/3633 n6->n17 used n18 app:records/3622 n6->n18 used n19 app:records/3632 n6->n19 used n20 app:records/3621 n6->n20 used n21 app:records/3624 n6->n21 used n22 app:records/3623 n6->n22 used n24 app:creditreports/1092 n6->n24 used n25 app:records/3629 n6->n25 used b22 n6->b22 wasAssociatedWith ann6 prov:startTime 2026-06-15T17:19:37.317000+01:00 prov:endTime 2026-06-19T11:28:33.122000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n10 app:recommendations/1092 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom b9 n10->b9 wasDerivedFrom b10 n10->b10 wasDerivedFrom b11 n10->b11 wasDerivedFrom b12 n10->b12 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom b19 n10->b19 wasDerivedFrom b20 n10->b20 wasDerivedFrom b21 n10->b21 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-06-19T11:28:33.122966 pl:reason cs:low_credit_score ann7->n10 n34 app:providers/14 n17->n34 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 "13.2" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "0.33" %% xsd:float pl:created_at 2026-06-19T11:28:33.121993 ann8->n17 n19->n34 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 "13.2" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jun-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-06-19T11:28:33.120980 ann9->n19 n23 app:models/creditcard_assessment n28 app:providers/1 n24->n28 wasAttributedTo n29 uuid:c8184dfd-bab2-4165-bb4f-c0121a9bcfc3 n24->n29 wasGeneratedBy b25 n24->b25 wasDerivedFrom b27 n24->b27 wasDerivedFrom b28 n24->b28 wasDerivedFrom b29 n24->b29 wasDerivedFrom b30 n24->b30 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 506 pl:created_at 2026-06-19T11:28:33.115674 ann10->n24 ann11 prov:label Vanessa Sykes prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n26 n27 app:applications/448/id b24 n27->b24 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 5 Brown spur, Bradshawfurt, E7S 4WW cs:attr_applicant_name Vanessa Sykes cs:attr_dob "2005-07-27" %% xsd:date cs:attr_prev_address 263 Sara via, Garrymouth, S0D 0RN ann12->n27 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n28 n29->n27 used b26 n29->b26 wasAssociatedWith ann14 prov:startTime 2026-06-19T11:28:33.115000+01:00 prov:endTime 2026-06-19T11:28:33.115000+01:00 prov:type cs:SearchingCreditHistory ann14->n29 n30 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n30 n31 app:records/3612 n31->n30 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 5 Brown spur, Bradshawfurt, E7S 4WW cs:attr_from_date "2023-11-01" %% xsd:date pl:created_at 2026-06-07T00:00:00 ann16->n31 n32 app:providers/13 ann17 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n32 n33 app:records/3613 n33->n32 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 5 Brown spur, Bradshawfurt, E7S 4WW cs:attr_first_confirmed "2026-06-10" %% xsd:date cs:attr_last_confirmed "2025-10-17" %% xsd:date cs:attr_prev_address 263 Sara via, Garrymouth, S0D 0RN pl:created_at 2026-06-18T21:31:13.622829 ann18->n33 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n34 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n18 b5->n21 b6->n16 b7->n17 b8->n13 b9->n9 b10->n19 b11->n7 b12->n14 b13->n20 b14->n25 b15->n15 b16->n11 b17->n24 b18->n8 b19->n12 b20->n3 b21->n22 b22->n5 b22->n23 plan b23->n10 b24->n3 b25->n27 b26->n28 b27->n33 b28->n19 b29->n17 b30->n31