Provenance for Decision #1356

Decided on: Aug. 16, 2026, 10:51 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:95ea3793-cc57-4370-820c-afd82e3de9e3 n3 app:applications/526 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-08-15T18:35:00.963000+01:00 prov:endTime 2026-08-16T10:51:42.978000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/526 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 19, Lynda ferry, South Harrybury, B8E 2LD cs:attr_annual_income 15000 cs:attr_applicant_name Glen Davies cs:attr_dob "1958-06-30" %% xsd:date cs:attr_email_address jane49@example.com cs:attr_emp_length 31 cs:attr_emp_title Insurance risk surveyor cs:attr_home_ownership 1 cs:attr_phone_number +44(0)1174960679 cs:attr_prev_address Flat 07, Walker cape, Reynoldsborough, B16 3YW pl:created_at 2026-08-15T18:35:00.963751 ann3->n3 n4 app:decisions/1356 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2026-08-16T10:51:42.978276 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:fe412af8-8c61-4407-bb7c-4b950dcef10d n6->n3 used n9 app:records/4450 n6->n9 used n10 app:records/4451 n6->n10 used n11 app:creditreports/1356 n6->n11 used n12 app:records/4449 n6->n12 used n13 app:records/4448 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-08-15T18:35:00.963000+01:00 prov:endTime 2026-08-16T10:51:42.978000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/1356 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom b9 n7->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-08-16T10:51:42.978276 pl:reason cs:low_credit_score ann7->n7 n8 app:models/creditcard_assessment n22 app:providers/15 n9->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 "703.38" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "39.81" %% xsd:float pl:created_at 2026-08-16T10:51:42.976497 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "703.38" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "13.46" %% xsd:float pl:created_at 2026-08-16T10:51:42.977063 ann9->n10 n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:b16e1f68-8b94-4a0a-8836-47fd132f0ff5 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 429 pl:created_at 2026-08-16T10:51:42.967326 ann10->n11 n12->n22 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 "703.38" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-16T10:51:42.975873 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 "703.38" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-08-16T10:51:42.975099 ann12->n13 ann13 prov:label Glen Davies prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/526/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 19, Lynda ferry, South Harrybury, B8E 2LD cs:attr_applicant_name Glen Davies cs:attr_dob "1958-06-30" %% xsd:date cs:attr_prev_address Flat 07, Walker cape, Reynoldsborough, B16 3YW 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 2026-08-16T10:51:42.967000+01:00 prov:endTime 2026-08-16T10:51:42.967000+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/4446 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 19, Lynda ferry, South Harrybury, B8E 2LD cs:attr_from_date "2025-11-04" %% xsd:date pl:created_at 2026-08-02T00:00:00 ann18->n19 n20 app:providers/5 ann19 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/4447 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 19, Lynda ferry, South Harrybury, B8E 2LD cs:attr_first_confirmed "2026-07-23" %% xsd:date cs:attr_last_confirmed "2026-05-10" %% xsd:date cs:attr_prev_address Flat 07, Walker cape, Reynoldsborough, B16 3YW pl:created_at 2026-08-16T10:51:42.973563 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n11 b5->n9 b6->n13 b7->n3 b8->n12 b9->n10 b10->n5 b10->n8 plan b11->n7 b12->n3 b13->n15 b14->n16 b15->n21 b16->n12 b17->n9 b18->n10 b19->n13 b20->n19