Provenance for Decision #129

Decided on: April 24, 2025, 5:35 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:7e82d5b7-4902-4c9d-a7b9-1b664292dd88 n4 app:applications/83 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-04-23T22:03:23.298000+01:00 prov:endTime 2025-04-24T17:35:38.884000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/129 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b11 n3->b11 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 2025-04-24T17:35:38.884868 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/83 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 95G, Trevor land, Rosemaryton, E09 2JU cs:attr_annual_income 29000 cs:attr_applicant_name Leslie Yates cs:attr_dob "1952-09-07" %% xsd:date cs:attr_email_address geraldarnold@example.com cs:attr_emp_length 23 cs:attr_emp_title Agricultural engineer cs:attr_home_ownership 1 cs:attr_phone_number +44(0)115 496 0938 cs:attr_prev_address Studio 0, Wilson lights, Andrewborough, BL3A 9GZ pl:created_at 2025-04-23T22:03:23.298726 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:6373c933-dc14-41b0-b2f9-aa729d54ba41 n6->n4 used n8 app:records/495 n6->n8 used n9 app:records/493 n6->n9 used n10 app:records/494 n6->n10 used n12 app:records/492 n6->n12 used n13 app:creditreports/129 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-04-23T22:03:23.298000+01:00 prov:endTime 2025-04-24T17:35:38.884000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/15 n8->n22 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 "57.98" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-24T17:35:38.883947 ann7->n8 n9->n22 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 "57.98" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-24T17:35:38.882814 ann8->n9 n10->n22 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 "57.98" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-24T17:35:38.883392 ann9->n10 n11 app:recommendations/129 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-04-24T17:35:38.884868 pl:reason cs:low_credit_score ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "57.98" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-24T17:35:38.882099 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:5e71f7ae-70cd-45b9-94cd-61e603865250 n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 190 pl:created_at 2025-04-24T17:35:38.875816 ann12->n13 ann13 prov:label Leslie Yates prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/83/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 95G, Trevor land, Rosemaryton, E09 2JU cs:attr_applicant_name Leslie Yates cs:attr_dob "1952-09-07" %% xsd:date cs:attr_prev_address Studio 0, Wilson lights, Andrewborough, BL3A 9GZ ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2025-04-24T17:35:38.875000+01:00 prov:endTime 2025-04-24T17:35:38.875000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/490 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95G, Trevor land, Rosemaryton, E09 2JU cs:attr_from_date "2023-11-23" %% xsd:date pl:created_at 2025-03-30T00:00:00 ann18->n19 n20 app:providers/6 ann19 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/491 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95G, Trevor land, Rosemaryton, E09 2JU cs:attr_first_confirmed "2025-04-14" %% xsd:date cs:attr_last_confirmed "2025-03-02" %% xsd:date cs:attr_prev_address Studio 0, Wilson lights, Andrewborough, BL3A 9GZ pl:created_at 2025-04-24T17:35:38.880701 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n10 b5->n8 b6->n12 b7->n9 b8->n13 b9->n4 b10->n5 b10->n7 plan b11->n11 b12->n4 b13->n15 b14->n16 b15->n9 b16->n21 b17->n12 b18->n8 b19->n10 b20->n19