Provenance for Decision #1297

Decided on: Feb. 14, 2024, 5:43 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:582f95bc-5815-4ea6-8cf5-5f2d16cd2fd5 n3 app:applications/124 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2021-12-04T00:28:56.657000+00:00 prov:endTime 2024-02-14T17:43:57.440000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n34 app:applicants/124 n3->n34 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 9, Begum turnpike, Hayesland, W62 7FF cs:attr_annual_income 77000 cs:attr_applicant_name Kathryn Watts cs:attr_dob "2000-11-08" %% xsd:date cs:attr_email_address colinmarshall@jones.org cs:attr_emp_length 2 cs:attr_emp_title Research scientist (maths) cs:attr_home_ownership 4 cs:attr_phone_number (0117) 4960067 cs:attr_prev_address 16 Price court, North Amelia, G6 3BY pl:created_at 2021-12-04T00:28:56.657456 ann3->n3 n4 app:decisions/1297 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b31 n4->b31 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2024-02-14T17:43:57.440726 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a55dc52a-0f46-4af8-93b7-09ab4c865402 n6->n3 used n7 app:records/3188 n6->n7 used n8 app:records/3189 n6->n8 used n9 app:records/1066 n6->n9 used n10 app:records/1067 n6->n10 used n11 app:records/1068 n6->n11 used n12 app:records/4076 n6->n12 used n13 app:records/4077 n6->n13 used n14 app:records/639 n6->n14 used n15 app:records/2536 n6->n15 used n16 app:records/2537 n6->n16 used n17 app:records/637 n6->n17 used n18 app:records/638 n6->n18 used n19 app:records/1740 n6->n19 used n21 app:creditreports/1297 n6->n21 used n22 app:records/772 n6->n22 used n24 app:records/773 n6->n24 used n25 app:records/771 n6->n25 used n26 app:records/3190 n6->n26 used n27 app:records/2223 n6->n27 used n28 app:records/2224 n6->n28 used n29 app:records/2225 n6->n29 used n30 app:records/2226 n6->n30 used n31 app:records/640 n6->n31 used n32 app:records/1738 n6->n32 used n33 app:records/1739 n6->n33 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2021-12-04T00:28:56.657000+00:00 prov:endTime 2024-02-14T17:43:57.440000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n38 app:providers/14 n12->n38 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1465.24" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Sep-2023 cs:attr_payment_amount "68.17" %% xsd:float pl:created_at 2024-02-14T17:43:57.435984 ann7->n12 n13->n38 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 "1465.24" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Feb-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-02-14T17:43:57.438142 ann8->n13 n20 app:recommendations/1297 n20->n5 wasAttributedTo n20->n6 wasGeneratedBy b5 n20->b5 wasDerivedFrom b6 n20->b6 wasDerivedFrom b7 n20->b7 wasDerivedFrom b8 n20->b8 wasDerivedFrom b9 n20->b9 wasDerivedFrom b10 n20->b10 wasDerivedFrom b11 n20->b11 wasDerivedFrom b12 n20->b12 wasDerivedFrom b13 n20->b13 wasDerivedFrom b14 n20->b14 wasDerivedFrom b15 n20->b15 wasDerivedFrom b16 n20->b16 wasDerivedFrom b17 n20->b17 wasDerivedFrom b18 n20->b18 wasDerivedFrom b19 n20->b19 wasDerivedFrom b20 n20->b20 wasDerivedFrom b21 n20->b21 wasDerivedFrom b22 n20->b22 wasDerivedFrom b23 n20->b23 wasDerivedFrom b24 n20->b24 wasDerivedFrom b25 n20->b25 wasDerivedFrom b26 n20->b26 wasDerivedFrom b27 n20->b27 wasDerivedFrom b28 n20->b28 wasDerivedFrom b29 n20->b29 wasDerivedFrom b30 n20->b30 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-02-14T17:43:57.440726 pl:reason cs:low_credit_score ann9->n20 n36 app:providers/1 n21->n36 wasAttributedTo n37 uuid:fed6f1a5-4c79-43a5-8c58-5fc66319f66e n21->n37 wasGeneratedBy b33 n21->b33 wasDerivedFrom b35 n21->b35 wasDerivedFrom b36 n21->b36 wasDerivedFrom b37 n21->b37 wasDerivedFrom b38 n21->b38 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 417 pl:created_at 2024-02-14T17:43:57.425165 ann10->n21 n23 app:models/creditcard_assessment ann11 prov:label Kathryn Watts prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n34 n35 app:applications/124/id b32 n35->b32 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 9, Begum turnpike, Hayesland, W62 7FF cs:attr_applicant_name Kathryn Watts cs:attr_dob "2000-11-08" %% xsd:date cs:attr_prev_address 16 Price court, North Amelia, G6 3BY ann12->n35 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n36 n37->n35 used b34 n37->b34 wasAssociatedWith ann14 prov:startTime 2024-02-14T17:43:57.425000+00:00 prov:endTime 2024-02-14T17:43:57.425000+00:00 prov:type cs:SearchingCreditHistory ann14->n37 ann15 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann15->n38 n39 app:providers/3 ann16 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n39 n40 app:records/636 n40->n39 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 9, Begum turnpike, Hayesland, W62 7FF cs:attr_first_confirmed "2021-11-17" %% xsd:date cs:attr_last_confirmed "2021-04-24" %% xsd:date cs:attr_prev_address 16 Price court, North Amelia, G6 3BY pl:created_at 2021-12-06T06:21:21.815959 ann17->n40 n41 app:providers/2 ann18 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann18->n41 n42 app:records/635 n42->n41 wasAttributedTo ann19 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 9, Begum turnpike, Hayesland, W62 7FF cs:attr_from_date "2021-05-23" %% xsd:date pl:created_at 2021-11-29T00:00:00 ann19->n42 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n23 plan b5->n19 b6->n11 b7->n22 b8->n17 b9->n27 b10->n21 b11->n3 b12->n13 b13->n33 b14->n29 b15->n24 b16->n16 b17->n15 b18->n28 b19->n12 b20->n18 b21->n32 b22->n26 b23->n7 b24->n9 b25->n8 b26->n30 b27->n10 b28->n14 b29->n25 b30->n31 b31->n20 b32->n3 b33->n35 b34->n36 b35->n12 b36->n40 b37->n42 b38->n13