Provenance for Decision #1272

Decided on: July 31, 2026, 9:01 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:f1d9079a-82eb-47c1-8cbe-9ae839abc530 n4 app:applications/506 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-07-31T04:11:21.083000+01:00 prov:endTime 2026-07-31T09:01:22.880000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1272 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b14 n3->b14 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 2026-07-31T09:01:22.880671 pl:reason cs:low_credit_score ann3->n3 n17 app:applicants/506 n4->n17 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 55x, Wood field, West Dorothy, LD4 4PN cs:attr_annual_income 53000 cs:attr_applicant_name Stephen Collins cs:attr_dob "1974-10-29" %% xsd:date cs:attr_email_address fostershirley@example.org cs:attr_emp_length 29 cs:attr_emp_title Editorial assistant cs:attr_home_ownership 3 cs:attr_phone_number 0131 4960870 cs:attr_prev_address 14 Kennedy springs, East Pamelafort, M01 0XU pl:created_at 2026-07-31T04:11:21.083256 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:26d8e029-2001-44b8-9059-34181a333225 n6->n4 used n7 app:creditreports/1272 n6->n7 used n8 app:records/4168 n6->n8 used n9 app:records/4179 n6->n9 used n10 app:records/4178 n6->n10 used n12 app:records/4169 n6->n12 used n13 app:records/4181 n6->n13 used n15 app:records/4170 n6->n15 used n16 app:records/4180 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2026-07-31T04:11:21.083000+01:00 prov:endTime 2026-07-31T09:01:22.880000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n19 app:providers/1 n7->n19 wasAttributedTo n20 uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1 n7->n20 wasGeneratedBy b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom b19 n7->b19 wasDerivedFrom b20 n7->b20 wasDerivedFrom b21 n7->b21 wasDerivedFrom b22 n7->b22 wasDerivedFrom b23 n7->b23 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 573 pl:created_at 2026-07-31T09:01:22.873036 ann7->n7 n25 app:providers/14 n9->n25 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1155.04" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "28.63" %% xsd:float pl:created_at 2026-07-31T09:01:22.877763 ann8->n9 n10->n25 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 "1155.04" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-31T09:01:22.876969 ann9->n10 n11 app:models/creditcard_assessment n13->n25 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 "1155.04" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-31T09:01:22.879506 ann10->n13 n14 app:recommendations/1272 n14->n5 wasAttributedTo n14->n6 wasGeneratedBy b4 n14->b4 wasDerivedFrom b5 n14->b5 wasDerivedFrom b6 n14->b6 wasDerivedFrom b7 n14->b7 wasDerivedFrom b8 n14->b8 wasDerivedFrom b9 n14->b9 wasDerivedFrom b10 n14->b10 wasDerivedFrom b11 n14->b11 wasDerivedFrom b12 n14->b12 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-31T09:01:22.880671 pl:reason cs:low_credit_score ann11->n14 n16->n25 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1155.04" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jun-2026 cs:attr_payment_amount "41.22" %% xsd:float pl:created_at 2026-07-31T09:01:22.878552 ann12->n16 ann13 prov:label Stephen Collins prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n17 n18 app:applications/506/id b15 n18->b15 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 55x, Wood field, West Dorothy, LD4 4PN cs:attr_applicant_name Stephen Collins cs:attr_dob "1974-10-29" %% xsd:date cs:attr_prev_address 14 Kennedy springs, East Pamelafort, M01 0XU ann14->n18 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n19 n20->n18 used b16 n20->b16 wasAssociatedWith ann16 prov:startTime 2026-07-31T09:01:22.873000+01:00 prov:endTime 2026-07-31T09:01:22.873000+01:00 prov:type cs:SearchingCreditHistory ann16->n20 n21 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n21 n22 app:records/4166 n22->n21 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 55x, Wood field, West Dorothy, LD4 4PN cs:attr_from_date "2025-12-26" %% xsd:date pl:created_at 2026-07-15T00:00:00 ann18->n22 n23 app:providers/7 ann19 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n23 n24 app:records/4167 n24->n23 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 55x, Wood field, West Dorothy, LD4 4PN cs:attr_first_confirmed "2026-07-20" %% xsd:date cs:attr_last_confirmed "2026-05-18" %% xsd:date cs:attr_prev_address 14 Kennedy springs, East Pamelafort, M01 0XU pl:created_at 2026-07-31T09:01:15.681608 ann20->n24 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n25 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n13 b6->n9 b7->n16 b8->n8 b9->n10 b10->n7 b11->n15 b12->n4 b13->n5 b13->n11 plan b14->n14 b15->n4 b16->n19 b17->n18 b18->n16 b19->n22 b20->n13 b21->n24 b22->n9 b23->n10