Provenance for Decision #1162

Decided on: July 9, 2026, 8:13 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:eee32c2a-dba7-4137-ac1c-f121e55de1f8 n4 app:applications/475 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-07-07T22:05:26.111000+01:00 prov:endTime 2026-07-09T20:13:58.290000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1162 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 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 2026-07-09T20:13:58.290911 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/475 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 41, Smith crest, New Ashleighton, M1 0RT cs:attr_annual_income 51000 cs:attr_applicant_name Rosie Bennett cs:attr_dob "1975-06-27" %% xsd:date cs:attr_email_address carly97@example.com cs:attr_emp_length 31 cs:attr_emp_title Prison officer cs:attr_home_ownership 3 cs:attr_phone_number 0289018950 cs:attr_prev_address Studio 78k, Elizabeth loop, Kateshire, N09 6QR pl:created_at 2026-07-07T22:05:26.111996 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:43ba5203-4850-4ccc-877c-3c915bdf7807 n6->n4 used n7 app:creditreports/1162 n6->n7 used n10 app:records/3864 n6->n10 used n11 app:records/3863 n6->n11 used n12 app:records/3865 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-07-07T22:05:26.111000+01:00 prov:endTime 2026-07-09T20:13:58.290000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n15 app:providers/1 n7->n15 wasAttributedTo n16 uuid:86be84b9-6111-4542-a552-50aa189aab31 n7->n16 wasGeneratedBy b12 n7->b12 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 547 pl:created_at 2026-07-09T20:13:58.280521 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/1162 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom b9 n9->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-09T20:13:58.290911 pl:reason cs:low_credit_score ann8->n9 n21 app:providers/15 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 "2198.77" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:13:58.289337 ann9->n10 n11->n21 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "2198.77" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "158.98" %% xsd:float pl:created_at 2026-07-09T20:13:58.288568 ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "2198.77" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:13:58.289991 ann11->n12 ann12 prov:label Rosie Bennett prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/475/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 41, Smith crest, New Ashleighton, M1 0RT cs:attr_applicant_name Rosie Bennett cs:attr_dob "1975-06-27" %% xsd:date cs:attr_prev_address Studio 78k, Elizabeth loop, Kateshire, N09 6QR 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 2026-07-09T20:13:58.280000+01:00 prov:endTime 2026-07-09T20:13:58.280000+01:00 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/3861 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 41, Smith crest, New Ashleighton, M1 0RT cs:attr_from_date "2024-02-15" %% xsd:date pl:created_at 2026-07-04T00:00:00 ann17->n18 n19 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/3862 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 41, Smith crest, New Ashleighton, M1 0RT cs:attr_first_confirmed "2026-06-23" %% xsd:date cs:attr_last_confirmed "2025-08-12" %% xsd:date cs:attr_prev_address Studio 78k, Elizabeth loop, Kateshire, N09 6QR pl:created_at 2026-07-09T20:13:58.287013 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n12 b6->n4 b7->n7 b8->n10 b9->n11 b10->n9 b11->n4 b12->n14 b13->n15 b14->n12 b15->n10 b16->n11 b17->n20 b18->n18