Provenance for Decision #1292

Decided on: July 31, 2026, 2:25 p.m.

Back to decision PROV-N PROV-JSON PDF SVG

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:6f08ea78-9d09-4caf-8f90-c5680fe595fd n4 app:applications/508 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-07-31T09:01:16.885000+01:00 prov:endTime 2026-07-31T14:25:11.864000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1292 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 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 2026-07-31T14:25:11.864671 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/508 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 23y, Laura curve, Jacquelineborough, BN1 4AS cs:attr_annual_income 30000 cs:attr_applicant_name Howard Page cs:attr_dob "2007-07-10" %% xsd:date cs:attr_email_address jodierobinson@example.org cs:attr_emp_length 0 cs:attr_emp_title Civil engineer, contracting cs:attr_home_ownership 1 cs:attr_phone_number +44(0)114 4960446 cs:attr_prev_address 7 Khan springs, Lake Anneborough, BB3Y 8HT pl:created_at 2026-07-31T09:01:16.885899 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b n6->n4 used n7 app:creditreports/1292 n6->n7 used n8 app:records/4236 n6->n8 used n11 app:records/4237 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-07-31T09:01:16.885000+01:00 prov:endTime 2026-07-31T14:25:11.864000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n14 app:providers/1 n7->n14 wasAttributedTo n15 uuid:70d75e96-f24e-44c7-afa7-bb2cbbfe368f n7->n15 wasGeneratedBy b11 n7->b11 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 627 pl:created_at 2026-07-31T14:25:11.855833 ann7->n7 n20 app:providers/14 n8->n20 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 "1737.13" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-31T14:25:11.862964 ann8->n8 n9 app:models/creditcard_assessment n10 app:recommendations/1292 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-31T14:25:11.864671 pl:reason cs:low_credit_score ann9->n10 n11->n20 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1737.13" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "30.04" %% xsd:float pl:created_at 2026-07-31T14:25:11.863737 ann10->n11 ann11 prov:label Howard Page prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/508/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 23y, Laura curve, Jacquelineborough, BN1 4AS cs:attr_applicant_name Howard Page cs:attr_dob "2007-07-10" %% xsd:date cs:attr_prev_address 7 Khan springs, Lake Anneborough, BB3Y 8HT 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 2026-07-31T14:25:11.855000+01:00 prov:endTime 2026-07-31T14:25:11.855000+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/4234 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 23y, Laura curve, Jacquelineborough, BN1 4AS cs:attr_from_date "2024-03-15" %% xsd:date pl:created_at 2026-07-12T00:00:00 ann16->n17 n18 app:providers/10 ann17 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/4235 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 23y, Laura curve, Jacquelineborough, BN1 4AS cs:attr_first_confirmed "2026-07-01" %% xsd:date cs:attr_last_confirmed "2026-06-20" %% xsd:date cs:attr_prev_address 7 Khan springs, Lake Anneborough, BB3Y 8HT pl:created_at 2026-07-31T14:25:11.861548 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n11 b5->n8 b6->n7 b7->n4 b8->n5 b8->n9 plan b9->n10 b10->n4 b11->n13 b12->n14 b13->n19 b14->n8 b15->n11 b16->n17