Provenance for Decision #1293

Decided on: July 31, 2026, 2:25 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:612cb7ae-c617-4b16-974b-989e3c12fa6a n4 app:applications/509 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-07-31T14:08:08.548000+01:00 prov:endTime 2026-07-31T14:25:38.727000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1293 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 2026-07-31T14:25:38.727625 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/509 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Hicks crest, South Maxside, DT31 7WB cs:attr_annual_income 110000 cs:attr_applicant_name Janice Turner cs:attr_dob "1960-11-29" %% xsd:date cs:attr_email_address grantdiane@example.net cs:attr_emp_length 31 cs:attr_emp_title Horticultural consultant cs:attr_home_ownership 2 cs:attr_phone_number +44(0)3069990217 cs:attr_prev_address Flat 3, Hudson view, New Lindseyside, M38 7PT pl:created_at 2026-07-31T14:08:08.548958 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:c511daad-b0b6-492a-ba62-fa713f95c52f n6->n4 used n8 app:creditreports/1293 n6->n8 used n9 app:records/4241 n6->n9 used n10 app:records/4240 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-07-31T14:08:08.548000+01:00 prov:endTime 2026-07-31T14:25:38.727000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n14 app:providers/1 n8->n14 wasAttributedTo n15 uuid:a5ef8e2b-82de-41fe-a6b7-8858261f7f7e n8->n15 wasGeneratedBy b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 222 pl:created_at 2026-07-31T14:25:38.720098 ann7->n8 n20 app:providers/14 n9->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 "20.77" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-07-31T14:25:38.726704 ann8->n9 n10->n20 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "20.77" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "1.75" %% xsd:float pl:created_at 2026-07-31T14:25:38.726056 ann9->n10 n11 app:recommendations/1293 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-07-31T14:25:38.727625 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Janice Turner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/509/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Hicks crest, South Maxside, DT31 7WB cs:attr_applicant_name Janice Turner cs:attr_dob "1960-11-29" %% xsd:date cs:attr_prev_address Flat 3, Hudson view, New Lindseyside, M38 7PT ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2026-07-31T14:25:38.720000+01:00 prov:endTime 2026-07-31T14:25:38.720000+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/4238 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Hicks crest, South Maxside, DT31 7WB cs:attr_from_date "2024-11-26" %% xsd:date pl:created_at 2026-07-23T00:00:00 ann16->n17 n18 app:providers/9 ann17 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/4239 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Hicks crest, South Maxside, DT31 7WB cs:attr_first_confirmed "2026-07-05" %% xsd:date cs:attr_last_confirmed "2025-12-29" %% xsd:date cs:attr_prev_address Flat 3, Hudson view, New Lindseyside, M38 7PT pl:created_at 2026-07-31T14:25:38.724664 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->n8 b5->n4 b6->n10 b7->n9 b8->n5 b8->n7 plan b9->n11 b10->n4 b11->n14 b12->n13 b13->n19 b14->n10 b15->n9 b16->n17