Provenance for Decision #128

Decided on: April 22, 2025, 7 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:db6aacc2-7433-4d23-83ca-ee17d40a8361 n4 app:applications/81 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-04-22T15:48:02.160000+01:00 prov:endTime 2025-04-22T19:00:29.865000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/128 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b9 n3->b9 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 2025-04-22T19:00:29.865780 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/81 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 1, Elliott estate, Jacksontown, B3 6UA cs:attr_annual_income 53000 cs:attr_applicant_name Conor Miller cs:attr_dob "1972-10-29" %% xsd:date cs:attr_email_address bhussain@example.com cs:attr_emp_length 6 cs:attr_emp_title Engineer, structural cs:attr_home_ownership 1 cs:attr_phone_number 01514960895 cs:attr_prev_address Studio 8, Ashleigh vista, East John, M5 5HE pl:created_at 2025-04-22T15:48:02.160320 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:5e29b0a2-4f51-46a8-b190-ed476f57954d n6->n4 used n7 app:records/488 n6->n7 used n8 app:records/489 n6->n8 used n11 app:creditreports/128 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-04-22T15:48:02.160000+01:00 prov:endTime 2025-04-22T19:00:29.865000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/15 n7->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 "856.2" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-22T19:00:29.864187 ann7->n7 n8->n20 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 "856.2" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "5.73" %% xsd:float pl:created_at 2025-04-22T19:00:29.864917 ann8->n8 n9 app:models/creditcard_assessment n10 app:recommendations/128 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-04-22T19:00:29.865780 pl:reason cs:low_credit_score ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:a8105740-b846-471d-8deb-795df6e84721 n11->n15 wasGeneratedBy b11 n11->b11 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 541 pl:created_at 2025-04-22T19:00:29.857860 ann10->n11 ann11 prov:label Conor Miller prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/81/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 1, Elliott estate, Jacksontown, B3 6UA cs:attr_applicant_name Conor Miller cs:attr_dob "1972-10-29" %% xsd:date cs:attr_prev_address Studio 8, Ashleigh vista, East John, M5 5HE 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 2025-04-22T19:00:29.857000+01:00 prov:endTime 2025-04-22T19:00:29.857000+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/486 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 1, Elliott estate, Jacksontown, B3 6UA cs:attr_from_date "2022-11-28" %% xsd:date pl:created_at 2025-04-14T00:00:00 ann16->n17 n18 app:providers/3 ann17 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/487 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 1, Elliott estate, Jacksontown, B3 6UA cs:attr_first_confirmed "2025-04-06" %% xsd:date cs:attr_last_confirmed "2024-04-27" %% xsd:date cs:attr_prev_address Studio 8, Ashleigh vista, East John, M5 5HE pl:created_at 2025-04-22T19:00:29.862784 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n7 b6->n4 b7->n11 b8->n8 b9->n10 b10->n4 b11->n13 b12->n14 b13->n19 b14->n7 b15->n8 b16->n17