Provenance for Decision #1332

Decided on: Aug. 8, 2026, 4:42 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:b06f904d-ecbf-4c88-8193-e5ce79cc76e5 n3 app:applications/522 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-08-08T16:35:11.226000+01:00 prov:endTime 2026-08-08T16:42:58.974000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/522 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 6 Katy shores, East Cliveton, W1J 7RR cs:attr_annual_income 32000 cs:attr_applicant_name Charlotte Burton cs:attr_dob "1952-07-05" %% xsd:date cs:attr_email_address edwardjackson@example.org cs:attr_emp_length 7 cs:attr_emp_title Accountant, chartered public finance cs:attr_home_ownership 3 cs:attr_phone_number +44(0)1214960846 cs:attr_prev_address Flat 91O, Nicholas ville, Cookfurt, W6 9LU pl:created_at 2026-08-08T16:35:11.226300 ann3->n3 n4 app:decisions/1332 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2026-08-08T16:42:58.974990 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:aab1d07f-fa93-462e-80ea-a38efaeeb929 n6->n3 used n7 app:records/4377 n6->n7 used n8 app:records/4376 n6->n8 used n9 app:records/4378 n6->n9 used n11 app:records/4375 n6->n11 used n13 app:creditreports/1332 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-08-08T16:35:11.226000+01:00 prov:endTime 2026-08-08T16:42:58.974000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 n7->n22 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 "229.87" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "22.06" %% xsd:float pl:created_at 2026-08-08T16:42:58.973123 ann7->n7 n8->n22 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 "229.87" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "20.95" %% xsd:float pl:created_at 2026-08-08T16:42:58.972493 ann8->n8 n9->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "229.87" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-08T16:42:58.973710 ann9->n9 n10 app:models/creditcard_assessment n11->n22 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 "229.87" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "8.5" %% xsd:float pl:created_at 2026-08-08T16:42:58.971689 ann10->n11 n12 app:recommendations/1332 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-08-08T16:42:58.974990 pl:reason cs:low_credit_score ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:11bf42d3-ea5d-4a44-a004-dac5db90caaf n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 134 pl:created_at 2026-08-08T16:42:58.964398 ann12->n13 ann13 prov:label Charlotte Burton prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/522/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 6 Katy shores, East Cliveton, W1J 7RR cs:attr_applicant_name Charlotte Burton cs:attr_dob "1952-07-05" %% xsd:date cs:attr_prev_address Flat 91O, Nicholas ville, Cookfurt, W6 9LU ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2026-08-08T16:42:58.964000+01:00 prov:endTime 2026-08-08T16:42:58.964000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/4373 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 6 Katy shores, East Cliveton, W1J 7RR cs:attr_from_date "2025-03-13" %% xsd:date pl:created_at 2026-07-10T00:00:00 ann18->n19 n20 app:providers/3 ann19 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/4374 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 6 Katy shores, East Cliveton, W1J 7RR cs:attr_first_confirmed "2026-08-01" %% xsd:date cs:attr_last_confirmed "2026-02-07" %% xsd:date cs:attr_prev_address Flat 91O, Nicholas ville, Cookfurt, W6 9LU pl:created_at 2026-08-08T16:42:58.970191 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n13 b6->n8 b7->n3 b8->n7 b9->n11 b10->n5 b10->n10 plan b11->n12 b12->n3 b13->n15 b14->n16 b15->n9 b16->n11 b17->n21 b18->n8 b19->n19 b20->n7