Provenance for Decision #1348

Decided on: Aug. 14, 2026, 1:08 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:25698e5d-7190-45f3-ab03-f454a341e43b n3 app:applications/523 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-08-13T14:08:57.143000+01:00 prov:endTime 2026-08-14T01:08:12.046000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/523 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 7 Thompson isle, South Daleview, L81 0GJ cs:attr_annual_income 52000 cs:attr_applicant_name Bethan Jones-Nolan cs:attr_dob "1980-06-05" %% xsd:date cs:attr_email_address owenblack@example.org cs:attr_emp_length 12 cs:attr_emp_title Pilot, airline cs:attr_home_ownership 2 cs:attr_phone_number +44(0)3069990647 cs:attr_prev_address Studio 6, Megan groves, Stewartmouth, W41 4QT pl:created_at 2026-08-13T14:08:57.143540 ann3->n3 n4 app:decisions/1348 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 2026-08-14T01:08:12.046114 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:cc39c084-d661-42b9-a493-80261bb3ef78 n6->n3 used n7 app:records/4421 n6->n7 used n8 app:records/4423 n6->n8 used n10 app:records/4422 n6->n10 used n11 app:creditreports/1348 n6->n11 used n13 app:records/4424 n6->n13 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-08-13T14:08:57.143000+01:00 prov:endTime 2026-08-14T01:08:12.046000+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:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "641.03" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-14T01:08:12.042718 ann7->n7 n8->n22 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 "641.03" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Jun-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-14T01:08:12.044151 ann8->n8 n9 app:models/creditcard_assessment n10->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 "641.03" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-14T01:08:12.043481 ann9->n10 n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:1b9f6813-578a-40f0-8a70-ec589425dec0 n11->n17 wasGeneratedBy b13 n11->b13 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom b19 n11->b19 wasDerivedFrom b20 n11->b20 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 383 pl:created_at 2026-08-14T01:08:12.035311 ann10->n11 n12 app:recommendations/1348 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom b10 n12->b10 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-08-14T01:08:12.046114 pl:reason cs:low_credit_score ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "641.03" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-14T01:08:12.045043 ann12->n13 ann13 prov:label Bethan Jones-Nolan prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/523/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 7 Thompson isle, South Daleview, L81 0GJ cs:attr_applicant_name Bethan Jones-Nolan cs:attr_dob "1980-06-05" %% xsd:date cs:attr_prev_address Studio 6, Megan groves, Stewartmouth, W41 4QT 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 2026-08-14T01:08:12.035000+01:00 prov:endTime 2026-08-14T01:08:12.035000+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/4419 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 7 Thompson isle, South Daleview, L81 0GJ cs:attr_from_date "2025-09-19" %% xsd:date pl:created_at 2026-07-23T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/4420 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 7 Thompson isle, South Daleview, L81 0GJ cs:attr_first_confirmed "2026-08-04" %% xsd:date cs:attr_last_confirmed "2025-09-07" %% xsd:date cs:attr_prev_address Studio 6, Megan groves, Stewartmouth, W41 4QT pl:created_at 2026-08-14T01:08:12.041063 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->n5 b4->n9 plan b5->n13 b6->n7 b7->n11 b8->n8 b9->n10 b10->n3 b11->n12 b12->n3 b13->n15 b14->n16 b15->n8 b16->n13 b17->n21 b18->n7 b19->n19 b20->n10