Provenance for Decision #136

Decided on: April 25, 2025, 7:59 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:f0686d68-bb90-4f6e-a79e-13b11690d9ac n4 app:applications/80 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-04-21T20:35:32.987000+01:00 prov:endTime 2025-04-25T19:59:18.205000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/136 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b15 n3->b15 wasDerivedFrom ann3 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2025-04-25T19:59:18.205712 pl:reason cs:low_credit_score ann3->n3 n18 app:applicants/80 n4->n18 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 2, Murphy ridge, Juliafurt, S6T 2BT cs:attr_annual_income 60000 cs:attr_applicant_name Simon Smith cs:attr_dob "2002-03-24" %% xsd:date cs:attr_email_address bmyers@example.net cs:attr_emp_length 0 cs:attr_emp_title Designer, textile cs:attr_home_ownership 3 cs:attr_phone_number +44(0)1154960384 cs:attr_prev_address 53 Wright forks, Maxburgh, SS1M 9NX pl:created_at 2025-04-21T20:35:32.987860 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:32256b15-1950-48b1-9f4b-9c8c47ea88ea n6->n4 used n7 app:records/510 n6->n7 used n8 app:records/511 n6->n8 used n10 app:records/520 n6->n10 used n11 app:records/518 n6->n11 used n12 app:records/519 n6->n12 used n13 app:creditreports/136 n6->n13 used n15 app:records/512 n6->n15 used n16 app:records/502 n6->n16 used n17 app:records/513 n6->n17 used b14 n6->b14 wasAssociatedWith ann6 prov:startTime 2025-04-21T20:35:32.987000+01:00 prov:endTime 2025-04-25T19:59:18.205000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n9 app:models/creditcard_assessment n26 app:providers/14 n10->n26 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 "692.34" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "67.09" %% xsd:float pl:created_at 2025-04-25T19:59:18.204757 ann7->n10 n11->n26 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 "692.34" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-25T19:59:18.203292 ann8->n11 n12->n26 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 "692.34" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "22.48" %% xsd:float pl:created_at 2025-04-25T19:59:18.204134 ann9->n12 n20 app:providers/1 n13->n20 wasAttributedTo n21 uuid:b2216d3b-86aa-4fc8-8c9f-d30effe2fd1d n13->n21 wasGeneratedBy b17 n13->b17 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom b21 n13->b21 wasDerivedFrom b22 n13->b22 wasDerivedFrom b23 n13->b23 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 193 pl:created_at 2025-04-25T19:59:18.199037 ann10->n13 n14 app:recommendations/136 n14->n5 wasAttributedTo n14->n6 wasGeneratedBy b4 n14->b4 wasDerivedFrom b5 n14->b5 wasDerivedFrom b6 n14->b6 wasDerivedFrom b7 n14->b7 wasDerivedFrom b8 n14->b8 wasDerivedFrom b9 n14->b9 wasDerivedFrom b10 n14->b10 wasDerivedFrom b11 n14->b11 wasDerivedFrom b12 n14->b12 wasDerivedFrom b13 n14->b13 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-04-25T19:59:18.205712 pl:reason cs:low_credit_score ann11->n14 ann12 prov:label Simon Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n18 n19 app:applications/80/id b16 n19->b16 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 2, Murphy ridge, Juliafurt, S6T 2BT cs:attr_applicant_name Simon Smith cs:attr_dob "2002-03-24" %% xsd:date cs:attr_prev_address 53 Wright forks, Maxburgh, SS1M 9NX ann13->n19 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n20 n21->n19 used b18 n21->b18 wasAssociatedWith ann15 prov:startTime 2025-04-25T19:59:18.199000+01:00 prov:endTime 2025-04-25T19:59:18.199000+01:00 prov:type cs:SearchingCreditHistory ann15->n21 n22 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n22 n23 app:records/500 n23->n22 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 2, Murphy ridge, Juliafurt, S6T 2BT cs:attr_from_date "2023-05-24" %% xsd:date pl:created_at 2025-04-15T00:00:00 ann17->n23 n24 app:providers/13 ann18 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n24 n25 app:records/501 n25->n24 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 2, Murphy ridge, Juliafurt, S6T 2BT cs:attr_first_confirmed "2025-04-23" %% xsd:date cs:attr_last_confirmed "2024-10-12" %% xsd:date cs:attr_prev_address 53 Wright forks, Maxburgh, SS1M 9NX pl:created_at 2025-04-25T15:30:44.502705 ann19->n25 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n26 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n12 b5->n7 b6->n13 b7->n17 b8->n8 b9->n4 b10->n11 b11->n16 b12->n10 b13->n15 b14->n5 b14->n9 plan b15->n14 b16->n4 b17->n19 b18->n20 b19->n23 b20->n12 b21->n11 b22->n10 b23->n25