Provenance for Decision #1163

Decided on: July 9, 2026, 8:14 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:84079630-baf2-4bd1-bf3a-d6b5b84c7605 n3 app:applications/476 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-07-09T03:41:44.755000+01:00 prov:endTime 2026-07-09T20:14:18.229000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/476 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 670 Glover branch, Lake Shane, IM8R 5FH cs:attr_annual_income 84000 cs:attr_applicant_name Anne Green cs:attr_dob "1951-05-13" %% xsd:date cs:attr_email_address iainwilliams@example.com cs:attr_emp_length 19 cs:attr_emp_title Purchasing manager cs:attr_home_ownership 1 cs:attr_phone_number +44(0)191 496 0605 cs:attr_prev_address Flat 82, Debra extension, New Michelle, B1 6QB pl:created_at 2026-07-09T03:41:44.755326 ann3->n3 n4 app:decisions/1163 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b11 n4->b11 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 2026-07-09T20:14:18.229283 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:54f4ac0b-a0e9-4471-9f9f-a2543642fad2 n6->n3 used n7 app:records/3871 n6->n7 used n8 app:creditreports/1163 n6->n8 used n9 app:records/3870 n6->n9 used n11 app:records/3868 n6->n11 used n13 app:records/3869 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-07-09T03:41:44.755000+01:00 prov:endTime 2026-07-09T20:14:18.229000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/14 n7->n22 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1393.71" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:14:18.228333 ann7->n7 n16 app:providers/1 n8->n16 wasAttributedTo n17 uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3 n8->n17 wasGeneratedBy b13 n8->b13 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom b19 n8->b19 wasDerivedFrom b20 n8->b20 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 698 pl:created_at 2026-07-09T20:14:18.218647 ann8->n8 n9->n22 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 "1393.71" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jun-2026 cs:attr_payment_amount "134.68" %% xsd:float pl:created_at 2026-07-09T20:14:18.227748 ann9->n9 n10 app:models/creditcard_assessment n11->n22 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 "1393.71" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:14:18.226307 ann10->n11 n12 app:recommendations/1163 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 b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-09T20:14:18.229283 pl:reason cs:low_credit_score ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1393.71" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:14:18.227128 ann12->n13 ann13 prov:label Anne Green prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/476/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 670 Glover branch, Lake Shane, IM8R 5FH cs:attr_applicant_name Anne Green cs:attr_dob "1951-05-13" %% xsd:date cs:attr_prev_address Flat 82, Debra extension, New Michelle, B1 6QB ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2026-07-09T20:14:18.218000+01:00 prov:endTime 2026-07-09T20:14:18.218000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/3866 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 670 Glover branch, Lake Shane, IM8R 5FH cs:attr_from_date "2025-09-16" %% xsd:date pl:created_at 2026-06-13T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/3867 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 670 Glover branch, Lake Shane, IM8R 5FH cs:attr_first_confirmed "2026-07-05" %% xsd:date cs:attr_last_confirmed "2026-02-16" %% xsd:date cs:attr_prev_address Flat 82, Debra extension, New Michelle, B1 6QB pl:created_at 2026-07-09T20:14:18.224439 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n13 b5->n8 b6->n3 b7->n7 b8->n11 b9->n9 b10->n5 b10->n10 plan b11->n12 b12->n3 b13->n15 b14->n16 b15->n21 b16->n11 b17->n9 b18->n7 b19->n13 b20->n19