Provenance for Decision #1291

Decided on: July 31, 2026, 2:24 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:871723da-5263-4535-b458-836103796ccc n4 app:applications/507 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-07-31T09:01:10.915000+01:00 prov:endTime 2026-07-31T14:24:47.322000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1291 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b8 n3->b8 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 2026-07-31T14:24:47.322805 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/507 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 21l, Clarke fall, Websterstad, L69 7PP cs:attr_annual_income 27000 cs:attr_applicant_name Katy West-Farmer cs:attr_dob "1993-09-16" %% xsd:date cs:attr_email_address xedwards@example.com cs:attr_emp_length 2 cs:attr_emp_title Seismic interpreter cs:attr_home_ownership 1 cs:attr_phone_number 0306 999 0392 cs:attr_prev_address 502 Ashley turnpike, Lake Suzanneshire, OX9 4EJ pl:created_at 2026-07-31T09:01:10.915387 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e n6->n4 used n7 app:records/4233 n6->n7 used n10 app:creditreports/1291 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-07-31T09:01:10.915000+01:00 prov:endTime 2026-07-31T14:24:47.322000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n19 app:providers/14 n7->n19 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 "348.21" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-31T14:24:47.321743 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/1291 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-31T14:24:47.322805 pl:reason cs:low_credit_score ann8->n9 n13 app:providers/1 n10->n13 wasAttributedTo n14 uuid:fb7c02f9-c2bc-4240-8d5b-77610d6fe182 n10->n14 wasGeneratedBy b11 n10->b11 wasDerivedFrom b12 n10->b12 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 463 pl:created_at 2026-07-31T14:24:47.314368 ann9->n10 ann10 prov:label Katy West-Farmer prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/507/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 21l, Clarke fall, Websterstad, L69 7PP cs:attr_applicant_name Katy West-Farmer cs:attr_dob "1993-09-16" %% xsd:date cs:attr_prev_address 502 Ashley turnpike, Lake Suzanneshire, OX9 4EJ ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b10 n14->b10 wasAssociatedWith ann13 prov:startTime 2026-07-31T14:24:47.314000+01:00 prov:endTime 2026-07-31T14:24:47.314000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/4231 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 21l, Clarke fall, Websterstad, L69 7PP cs:attr_from_date "2025-04-19" %% xsd:date pl:created_at 2026-07-28T00:00:00 ann15->n16 n17 app:providers/9 ann16 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/4232 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 21l, Clarke fall, Websterstad, L69 7PP cs:attr_first_confirmed "2026-07-03" %% xsd:date cs:attr_last_confirmed "2026-04-16" %% xsd:date cs:attr_prev_address 502 Ashley turnpike, Lake Suzanneshire, OX9 4EJ pl:created_at 2026-07-31T14:24:47.320256 ann17->n18 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n10 b5->n7 b6->n4 b7->n5 b7->n8 plan b8->n9 b9->n4 b10->n13 b11->n12 b12->n18 b13->n7 b14->n16