Provenance for Decision #110

Decided on: March 28, 2025, 10 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:9b5890a9-33a2-43f0-bc81-df87774560c4 n4 app:applications/66 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-03-26T04:58:16.488000+00:00 prov:endTime 2025-03-28T10:00:14.751000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/110 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b10 n3->b10 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 2025-03-28T10:00:14.751887 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/66 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 62, Ross village, Mooreview, N01 1ZE cs:attr_annual_income 85000 cs:attr_applicant_name Barbara Hyde cs:attr_dob "1977-05-10" %% xsd:date cs:attr_email_address ccook@example.com cs:attr_emp_length 21 cs:attr_emp_title Insurance risk surveyor cs:attr_home_ownership 3 cs:attr_phone_number (0116) 496 0224 cs:attr_prev_address 396 Law streets, Cookhaven, KW09 7PW pl:created_at 2025-03-26T04:58:16.488468 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:f0500978-8ff2-447d-bf43-5d3087cff95e n6->n4 used n7 app:records/420 n6->n7 used n9 app:creditreports/110 n6->n9 used n10 app:records/419 n6->n10 used n11 app:records/418 n6->n11 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-03-26T04:58:16.488000+00:00 prov:endTime 2025-03-28T10:00:14.751000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/15 n7->n21 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 "58.09" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "3.56" %% xsd:float pl:created_at 2025-03-28T10:00:14.751003 ann7->n7 n8 app:models/creditcard_assessment n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:3de589d1-86e5-4098-a27a-7617fcbbe6aa n9->n16 wasGeneratedBy b12 n9->b12 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 492 pl:created_at 2025-03-28T10:00:14.743367 ann8->n9 n10->n21 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 "58.09" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-28T10:00:14.750213 ann9->n10 n11->n21 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 "58.09" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-28T10:00:14.749500 ann10->n11 n12 app:recommendations/110 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-03-28T10:00:14.751887 pl:reason cs:low_credit_score ann11->n12 ann12 prov:label Barbara Hyde prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/66/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 62, Ross village, Mooreview, N01 1ZE cs:attr_applicant_name Barbara Hyde cs:attr_dob "1977-05-10" %% xsd:date cs:attr_prev_address 396 Law streets, Cookhaven, KW09 7PW ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-03-28T10:00:14.743000+00:00 prov:endTime 2025-03-28T10:00:14.743000+00:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/416 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 62, Ross village, Mooreview, N01 1ZE cs:attr_from_date "2023-04-10" %% xsd:date pl:created_at 2025-03-21T00:00:00 ann17->n18 n19 app:providers/3 ann18 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/417 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 62, Ross village, Mooreview, N01 1ZE cs:attr_first_confirmed "2025-03-10" %% xsd:date cs:attr_last_confirmed "2024-10-21" %% xsd:date cs:attr_prev_address 396 Law streets, Cookhaven, KW09 7PW pl:created_at 2025-03-28T10:00:14.748135 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n10 b5->n9 b6->n11 b7->n7 b8->n4 b9->n5 b9->n8 plan b10->n12 b11->n4 b12->n14 b13->n15 b14->n18 b15->n11 b16->n10 b17->n20 b18->n7