Provenance for Decision #1353

Decided on: Aug. 15, 2026, 6:37 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:8f852474-88d6-432d-a9df-905200e05ee9 n3 app:applications/525 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-08-15T02:59:26.294000+01:00 prov:endTime 2026-08-15T18:37:01.863000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/525 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 2, Stewart vista, East Carolyn, M5 5TD cs:attr_annual_income 44000 cs:attr_applicant_name Rosemary Wilson cs:attr_dob "1958-10-22" %% xsd:date cs:attr_email_address danielle12@example.com cs:attr_emp_length 40 cs:attr_emp_title Product manager cs:attr_home_ownership 3 cs:attr_phone_number 0909 879 0095 cs:attr_prev_address 6 Lindsey union, Lake Liamview, W2G 4NS pl:created_at 2026-08-15T02:59:26.294234 ann3->n3 n4 app:decisions/1353 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b10 n4->b10 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 2026-08-15T18:37:01.863946 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:a7b27a82-545f-403b-bce9-8e4a83f3f973 n6->n3 used n8 app:records/4436 n6->n8 used n9 app:creditreports/1353 n6->n9 used n11 app:records/4438 n6->n11 used n12 app:records/4437 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2026-08-15T02:59:26.294000+01:00 prov:endTime 2026-08-15T18:37:01.863000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n21 app:providers/15 n8->n21 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 "742.99" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "48.88" %% xsd:float pl:created_at 2026-08-15T18:37:01.861598 ann7->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:d91e3ba7-f969-420a-a962-ceb20ed4bc81 n9->n16 wasGeneratedBy b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 432 pl:created_at 2026-08-15T18:37:01.854138 ann8->n9 n10 app:recommendations/1353 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-08-15T18:37:01.863946 pl:reason cs:low_credit_score ann9->n10 n11->n21 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 "742.99" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "60.59" %% xsd:float pl:created_at 2026-08-15T18:37:01.863017 ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "742.99" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-15T18:37:01.862368 ann11->n12 ann12 prov:label Rosemary Wilson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/525/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 2, Stewart vista, East Carolyn, M5 5TD cs:attr_applicant_name Rosemary Wilson cs:attr_dob "1958-10-22" %% xsd:date cs:attr_prev_address 6 Lindsey union, Lake Liamview, W2G 4NS ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2026-08-15T18:37:01.854000+01:00 prov:endTime 2026-08-15T18:37:01.854000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/4434 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Stewart vista, East Carolyn, M5 5TD cs:attr_from_date "2024-12-01" %% xsd:date pl:created_at 2026-07-18T00:00:00 ann17->n18 n19 app:providers/13 ann18 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/4435 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Stewart vista, East Carolyn, M5 5TD cs:attr_first_confirmed "2026-07-21" %% xsd:date cs:attr_last_confirmed "2026-05-02" %% xsd:date cs:attr_prev_address 6 Lindsey union, Lake Liamview, W2G 4NS pl:created_at 2026-08-15T18:37:01.859792 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n12 b6->n11 b7->n8 b8->n9 b9->n5 b9->n7 plan b10->n10 b11->n3 b12->n15 b13->n14 b14->n18 b15->n12 b16->n11 b17->n8 b18->n20