Provenance for Decision #1164

Decided on: July 9, 2026, 8:15 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:22d8b834-55fe-47c5-bd27-ee204413d1c7 n3 app:applications/477 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-07-09T20:09:52.088000+01:00 prov:endTime 2026-07-09T20:15:13.231000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/477 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Caroline meadow, Jayneberg, M7 2PU cs:attr_annual_income 93000 cs:attr_applicant_name Paige Hardy-Evans cs:attr_dob "1972-07-24" %% xsd:date cs:attr_email_address richardforster@example.com cs:attr_emp_length 19 cs:attr_emp_title Designer, graphic cs:attr_home_ownership 4 cs:attr_phone_number +4420 74960237 cs:attr_prev_address 9 Sophie mews, Gailborough, N5 4RH pl:created_at 2026-07-09T20:09:52.088428 ann3->n3 n4 app:decisions/1164 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b9 n4->b9 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 2026-07-09T20:15:13.231031 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:e86c1601-944a-4d57-8152-6594590eb320 n6->n3 used n8 app:records/3875 n6->n8 used n9 app:records/3874 n6->n9 used n10 app:creditreports/1164 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-07-09T20:09:52.088000+01:00 prov:endTime 2026-07-09T20:15:13.231000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/14 n8->n20 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 "2187.15" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:15:13.230105 ann7->n8 n9->n20 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "2187.15" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-09T20:15:13.229317 ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:cb59f0fc-f8a0-47ef-b702-cb7684ed1d9e n10->n15 wasGeneratedBy b11 n10->b11 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 502 pl:created_at 2026-07-09T20:15:13.221835 ann9->n10 n11 app:recommendations/1164 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-09T20:15:13.231031 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Paige Hardy-Evans prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/477/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Caroline meadow, Jayneberg, M7 2PU cs:attr_applicant_name Paige Hardy-Evans cs:attr_dob "1972-07-24" %% xsd:date cs:attr_prev_address 9 Sophie mews, Gailborough, N5 4RH ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2026-07-09T20:15:13.221000+01:00 prov:endTime 2026-07-09T20:15:13.221000+01:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/3872 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Caroline meadow, Jayneberg, M7 2PU cs:attr_from_date "2025-04-18" %% xsd:date pl:created_at 2026-06-15T00:00:00 ann16->n17 n18 app:providers/3 ann17 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/3873 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Caroline meadow, Jayneberg, M7 2PU cs:attr_first_confirmed "2026-06-18" %% xsd:date cs:attr_last_confirmed "2025-11-21" %% xsd:date cs:attr_prev_address 9 Sophie mews, Gailborough, N5 4RH pl:created_at 2026-07-09T20:15:13.227462 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n9 b6->n3 b7->n10 b8->n5 b8->n7 plan b9->n11 b10->n3 b11->n13 b12->n14 b13->n19 b14->n9 b15->n8 b16->n17