Provenance for Decision #1277

Decided on: Feb. 8, 2024, 9:07 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:3b35ebb7-fcff-485f-8816-c12ca929b07a n3 app:applications/314 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2023-05-10T17:57:10.842000+01:00 prov:endTime 2024-02-08T09:07:20.552000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n17 app:applicants/314 n3->n17 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 07, Lee orchard, West Angelaborough, N88 3EJ cs:attr_annual_income 39000 cs:attr_applicant_name Brenda Shaw cs:attr_dob "1972-12-13" %% xsd:date cs:attr_email_address hollyjackson@example.com cs:attr_emp_length 22 cs:attr_emp_title Geoscientist cs:attr_home_ownership 2 cs:attr_phone_number 01154960307 cs:attr_prev_address 88 Anne camp, New Ericland, CW54 9RE pl:created_at 2023-05-10T17:57:10.842340 ann3->n3 n4 app:decisions/1277 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b14 n4->b14 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 2024-02-08T09:07:20.552624 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:d190628e-526e-48e0-8178-41590f875599 n6->n3 used n7 app:records/2919 n6->n7 used n9 app:records/2674 n6->n9 used n10 app:records/4031 n6->n10 used n11 app:records/2921 n6->n11 used n12 app:records/4030 n6->n12 used n13 app:records/2417 n6->n13 used n15 app:creditreports/1277 n6->n15 used n16 app:records/2920 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2023-05-10T17:57:10.842000+01:00 prov:endTime 2024-02-08T09:07:20.552000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n8 app:models/creditcard_assessment n21 app:providers/14 n10->n21 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 "599.7" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Nov-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-02-08T09:07:20.550272 ann7->n10 n12->n21 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 "599.7" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jan-2024 cs:attr_payment_amount "27.08" %% xsd:float pl:created_at 2024-02-08T09:07:20.548360 ann8->n12 n14 app:recommendations/1277 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 ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-02-08T09:07:20.552624 pl:reason cs:low_credit_score ann9->n14 n19 app:providers/1 n15->n19 wasAttributedTo n20 uuid:626d02e4-b032-4c3f-8e26-58620cfd3704 n15->n20 wasGeneratedBy b17 n15->b17 wasDerivedFrom b18 n15->b18 wasDerivedFrom b19 n15->b19 wasDerivedFrom b20 n15->b20 wasDerivedFrom b21 n15->b21 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 593 pl:created_at 2024-02-08T09:07:20.539055 ann10->n15 ann11 prov:label Brenda Shaw prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n17 n18 app:applications/314/id b15 n18->b15 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 07, Lee orchard, West Angelaborough, N88 3EJ cs:attr_applicant_name Brenda Shaw cs:attr_dob "1972-12-13" %% xsd:date cs:attr_prev_address 88 Anne camp, New Ericland, CW54 9RE ann12->n18 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n19 n20->n18 used b16 n20->b16 wasAssociatedWith ann14 prov:startTime 2024-02-08T09:07:20.539000+00:00 prov:endTime 2024-02-08T09:07:20.539000+00:00 prov:type cs:SearchingCreditHistory ann14->n20 ann15 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann15->n21 n22 app:providers/12 ann16 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n22 n23 app:records/2416 n23->n22 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 07, Lee orchard, West Angelaborough, N88 3EJ cs:attr_first_confirmed "2023-04-27" %% xsd:date cs:attr_last_confirmed "2022-05-29" %% xsd:date cs:attr_prev_address 88 Anne camp, New Ericland, CW54 9RE pl:created_at 2023-05-15T01:59:18.630161 ann17->n23 n24 app:providers/2 ann18 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann18->n24 n25 app:records/2415 n25->n24 wasAttributedTo ann19 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 07, Lee orchard, West Angelaborough, N88 3EJ cs:attr_from_date "2022-08-15" %% xsd:date pl:created_at 2023-04-17T00:00:00 ann19->n25 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n12 b5->n7 b6->n9 b7->n15 b8->n10 b9->n3 b10->n13 b11->n16 b12->n11 b13->n5 b13->n8 plan b14->n14 b15->n3 b16->n19 b17->n18 b18->n12 b19->n23 b20->n25 b21->n10