Provenance for Decision #137

Decided on: April 25, 2025, 8:23 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:3bde953e-3e13-40c1-b40d-478506824c27 n3 app:applications/82 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-04-23T21:02:18.949000+01:00 prov:endTime 2025-04-25T20:23:21.569000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n17 app:applicants/82 n3->n17 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 971 Danielle way, Clarkfort, SG53 7TB cs:attr_annual_income 18000 cs:attr_applicant_name Janet Blackburn cs:attr_dob "1990-01-23" %% xsd:date cs:attr_email_address peacockgraham@example.com cs:attr_emp_length 1 cs:attr_emp_title Newspaper journalist cs:attr_home_ownership 3 cs:attr_phone_number 0121 496 0507 cs:attr_prev_address 8 Martyn path, Tuckerborough, BR33 8BW pl:created_at 2025-04-23T21:02:18.949696 ann3->n3 n4 app:decisions/137 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b14 n4->b14 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 2025-04-25T20:23:21.569918 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:0d899e03-0609-4538-93a5-897c8bf73128 n6->n3 used n7 app:records/521 n6->n7 used n8 app:records/522 n6->n8 used n10 app:records/516 n6->n10 used n12 app:records/505 n6->n12 used n13 app:records/517 n6->n13 used n14 app:creditreports/137 n6->n14 used n15 app:records/514 n6->n15 used n16 app:records/515 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2025-04-23T21:02:18.949000+01:00 prov:endTime 2025-04-25T20:23:21.569000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n25 app:providers/15 n7->n25 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 "1800.45" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-25T20:23:21.568075 ann7->n7 n8->n25 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 "1800.45" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-25T20:23:21.568915 ann8->n8 n9 app:models/creditcard_assessment n11 app:recommendations/137 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom b10 n11->b10 wasDerivedFrom b11 n11->b11 wasDerivedFrom b12 n11->b12 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-04-25T20:23:21.569918 pl:reason cs:low_credit_score ann9->n11 n19 app:providers/1 n14->n19 wasAttributedTo n20 uuid:94f22c1c-b43d-4051-942f-9bafe30775a2 n14->n20 wasGeneratedBy b16 n14->b16 wasDerivedFrom b18 n14->b18 wasDerivedFrom b19 n14->b19 wasDerivedFrom b20 n14->b20 wasDerivedFrom b21 n14->b21 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 473 pl:created_at 2025-04-25T20:23:21.563884 ann10->n14 ann11 prov:label Janet Blackburn prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n17 n18 app:applications/82/id b15 n18->b15 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 971 Danielle way, Clarkfort, SG53 7TB cs:attr_applicant_name Janet Blackburn cs:attr_dob "1990-01-23" %% xsd:date cs:attr_prev_address 8 Martyn path, Tuckerborough, BR33 8BW ann12->n18 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n19 n20->n18 used b17 n20->b17 wasAssociatedWith ann14 prov:startTime 2025-04-25T20:23:21.563000+01:00 prov:endTime 2025-04-25T20:23:21.563000+01:00 prov:type cs:SearchingCreditHistory ann14->n20 n21 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n21 n22 app:records/503 n22->n21 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 971 Danielle way, Clarkfort, SG53 7TB cs:attr_from_date "2024-02-04" %% xsd:date pl:created_at 2025-04-11T00:00:00 ann16->n22 n23 app:providers/13 ann17 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n23 n24 app:records/504 n24->n23 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 971 Danielle way, Clarkfort, SG53 7TB cs:attr_first_confirmed "2025-04-09" %% xsd:date cs:attr_last_confirmed "2025-03-30" %% xsd:date cs:attr_prev_address 8 Martyn path, Tuckerborough, BR33 8BW pl:created_at 2025-04-25T16:34:07.266681 ann18->n24 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n25 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n16 b5->n10 b6->n8 b7->n7 b8->n14 b9->n13 b10->n12 b11->n3 b12->n15 b13->n5 b13->n9 plan b14->n11 b15->n3 b16->n18 b17->n19 b18->n24 b19->n7 b20->n8 b21->n22