Provenance for Decision #1294

Decided on: Aug. 1, 2026, 4:05 a.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:60ed0ee3-5fb4-4ac5-bce0-cea646455ee2 n4 app:applications/511 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-08-01T02:19:26.067000+01:00 prov:endTime 2026-08-01T04:05:49.121000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1294 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 2026-08-01T04:05:49.121201 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/511 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 3 Bennett grove, East Alisonmouth, B7G 5SS cs:attr_annual_income 66000 cs:attr_applicant_name Angela Holloway cs:attr_dob "1967-05-28" %% xsd:date cs:attr_email_address jake43@example.org cs:attr_emp_length 38 cs:attr_emp_title Minerals surveyor cs:attr_home_ownership 3 cs:attr_phone_number +44(0)1134960458 cs:attr_prev_address Studio 28o, Rice loop, Brownport, N9H 9UX pl:created_at 2026-08-01T02:19:26.067726 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e n6->n4 used n7 app:creditreports/1294 n6->n7 used n8 app:records/4244 n6->n8 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-08-01T02:19:26.067000+01:00 prov:endTime 2026-08-01T04:05:49.121000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n13 app:providers/1 n7->n13 wasAttributedTo n14 uuid:3e951c5f-799b-47bb-8ccd-20afeb297bc9 n7->n14 wasGeneratedBy b11 n7->b11 wasDerivedFrom b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 413 pl:created_at 2026-08-01T04:05:49.112520 ann7->n7 n19 app:providers/15 n8->n19 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 "201.36" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "2.35" %% xsd:float pl:created_at 2026-08-01T04:05:49.120069 ann8->n8 n9 app:models/creditcard_assessment n10 app:recommendations/1294 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy 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 2026-08-01T04:05:49.121201 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Angela Holloway prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/511/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 3 Bennett grove, East Alisonmouth, B7G 5SS cs:attr_applicant_name Angela Holloway cs:attr_dob "1967-05-28" %% xsd:date cs:attr_prev_address Studio 28o, Rice loop, Brownport, N9H 9UX 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 2026-08-01T04:05:49.112000+01:00 prov:endTime 2026-08-01T04:05:49.112000+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/4242 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 3 Bennett grove, East Alisonmouth, B7G 5SS cs:attr_from_date "2025-03-30" %% xsd:date pl:created_at 2026-07-28T00:00:00 ann15->n16 n17 app:providers/7 ann16 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/4243 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 3 Bennett grove, East Alisonmouth, B7G 5SS cs:attr_first_confirmed "2026-07-12" %% xsd:date cs:attr_last_confirmed "2025-08-18" %% xsd:date cs:attr_prev_address Studio 28o, Rice loop, Brownport, N9H 9UX pl:created_at 2026-08-01T04:05:49.118552 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n4 b6->n7 b7->n8 b8->n10 b9->n4 b10->n13 b11->n12 b12->n18 b13->n8 b14->n16