Provenance for Decision #1249

Decided on: July 28, 2026, 7:44 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:6809253b-c57e-46d7-be93-d538efc2836c n3 app:applications/249 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-15T20:32:47.725000+01:00 prov:endTime 2026-07-28T07:44:25.110000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n27 app:applicants/249 n3->n27 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_annual_income 120000 cs:attr_applicant_name Darren Gardner cs:attr_dob "1977-10-21" %% xsd:date cs:attr_email_address kate33@example.org cs:attr_emp_length 29 cs:attr_emp_title Media planner cs:attr_home_ownership 3 cs:attr_phone_number 0131 496 0036 cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU pl:created_at 2025-10-15T20:32:47.725508 ann3->n3 n4 app:decisions/1249 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b24 n4->b24 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 2026-07-28T07:44:25.110988 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:b8918402-e6b6-442c-ad13-01ae3a622c13 n6->n3 used n7 app:records/2330 n6->n7 used n8 app:records/3234 n6->n8 used n9 app:records/4103 n6->n9 used n10 app:records/3235 n6->n10 used n11 app:creditreports/1249 n6->n11 used n12 app:records/2415 n6->n12 used n13 app:records/2416 n6->n13 used n14 app:records/2504 n6->n14 used n15 app:records/2505 n6->n15 used n16 app:records/2417 n6->n16 used n17 app:records/2329 n6->n17 used n18 app:records/2506 n6->n18 used n19 app:records/3236 n6->n19 used n20 app:records/1731 n6->n20 used n21 app:records/1732 n6->n21 used n23 app:records/2507 n6->n23 used n25 app:records/2191 n6->n25 used n26 app:records/2192 n6->n26 used b23 n6->b23 wasAssociatedWith ann6 prov:startTime 2025-10-15T20:32:47.725000+01:00 prov:endTime 2026-07-28T07:44:25.110000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n35 app:providers/14 n9->n35 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 "294.74" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-28T07:44:25.109781 ann7->n9 n29 app:providers/1 n11->n29 wasAttributedTo n30 uuid:0e1884d1-2e44-4f28-8f29-f4981b117981 n11->n30 wasGeneratedBy b27 n11->b27 wasDerivedFrom b28 n11->b28 wasDerivedFrom b29 n11->b29 wasDerivedFrom b30 n11->b30 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 310 pl:created_at 2026-07-28T07:44:25.104805 ann8->n11 n22 app:models/creditcard_assessment n24 app:recommendations/1249 n24->n5 wasAttributedTo n24->n6 wasGeneratedBy b4 n24->b4 wasDerivedFrom b5 n24->b5 wasDerivedFrom b6 n24->b6 wasDerivedFrom b7 n24->b7 wasDerivedFrom b8 n24->b8 wasDerivedFrom b9 n24->b9 wasDerivedFrom b10 n24->b10 wasDerivedFrom b11 n24->b11 wasDerivedFrom b12 n24->b12 wasDerivedFrom b13 n24->b13 wasDerivedFrom b14 n24->b14 wasDerivedFrom b15 n24->b15 wasDerivedFrom b16 n24->b16 wasDerivedFrom b17 n24->b17 wasDerivedFrom b18 n24->b18 wasDerivedFrom b19 n24->b19 wasDerivedFrom b20 n24->b20 wasDerivedFrom b21 n24->b21 wasDerivedFrom b22 n24->b22 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-28T07:44:25.110988 pl:reason cs:low_credit_score ann9->n24 ann10 prov:label Darren Gardner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n27 n28 app:applications/249/id b25 n28->b25 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_applicant_name Darren Gardner cs:attr_dob "1977-10-21" %% xsd:date cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU ann11->n28 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n29 n30->n28 used b26 n30->b26 wasAssociatedWith ann13 prov:startTime 2026-07-28T07:44:25.104000+01:00 prov:endTime 2026-07-28T07:44:25.104000+01:00 prov:type cs:SearchingCreditHistory ann13->n30 n31 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n31 n32 app:records/1729 n32->n31 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_from_date "2023-07-15" %% xsd:date pl:created_at 2025-09-23T00:00:00 ann15->n32 n33 app:providers/4 ann16 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n33 n34 app:records/1730 n34->n33 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_first_confirmed "2025-09-17" %% xsd:date cs:attr_last_confirmed "2025-03-13" %% xsd:date cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU pl:created_at 2025-10-16T00:27:30.353529 ann17->n34 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n35 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n26 b5->n11 b6->n9 b7->n15 b8->n23 b9->n21 b10->n20 b11->n7 b12->n12 b13->n25 b14->n19 b15->n14 b16->n18 b17->n10 b18->n3 b19->n17 b20->n13 b21->n16 b22->n8 b23->n5 b23->n22 plan b24->n24 b25->n3 b26->n29 b27->n28 b28->n34 b29->n9 b30->n32