Provenance for Decision #1373

Decided on: March 20, 2024, 6:13 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:8aebbf1e-00f2-4622-ae9b-2238e0d40f68 n4 app:applications/129 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-01-08T03:13:52.898000+00:00 prov:endTime 2024-03-20T18:13:16.934000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1373 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b34 n3->b34 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 2024-03-20T18:13:16.934286 pl:reason cs:low_credit_score ann3->n3 n37 app:applicants/129 n4->n37 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 30W, White wall, Lake Leanneborough, L2 5YY cs:attr_annual_income 110000 cs:attr_applicant_name Wayne Smith-Barber cs:attr_dob "1985-12-21" %% xsd:date cs:attr_email_address kbaker@hotmail.co.uk cs:attr_emp_length 7 cs:attr_emp_title Editor, commissioning cs:attr_home_ownership 3 cs:attr_phone_number 0808 1570630 cs:attr_prev_address 35 Fowler forge, New Aimeeland, M03 8PP pl:created_at 2022-01-08T03:13:52.898061 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:08c79acd-217c-414b-9e80-c334cc8c802d n6->n4 used n7 app:records/3725 n6->n7 used n8 app:records/2118 n6->n8 used n9 app:records/2758 n6->n9 used n10 app:records/3727 n6->n10 used n11 app:records/2759 n6->n11 used n12 app:records/3726 n6->n12 used n13 app:records/1069 n6->n13 used n14 app:records/2115 n6->n14 used n15 app:creditreports/1373 n6->n15 used n16 app:records/2116 n6->n16 used n18 app:records/678 n6->n18 used n19 app:records/2117 n6->n19 used n21 app:records/3728 n6->n21 used n22 app:records/1070 n6->n22 used n23 app:records/1071 n6->n23 used n24 app:records/4289 n6->n24 used n25 app:records/4288 n6->n25 used n26 app:records/2760 n6->n26 used n27 app:records/2382 n6->n27 used n28 app:records/1317 n6->n28 used n29 app:records/822 n6->n29 used n30 app:records/1774 n6->n30 used n31 app:records/1775 n6->n31 used n32 app:records/820 n6->n32 used n33 app:records/821 n6->n33 used n34 app:records/2709 n6->n34 used n35 app:records/4291 n6->n35 used n36 app:records/4290 n6->n36 used b33 n6->b33 wasAssociatedWith ann6 prov:startTime 2022-01-08T03:13:52.898000+00:00 prov:endTime 2024-03-20T18:13:16.934000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n39 app:providers/1 n15->n39 wasAttributedTo n40 uuid:bd294003-1b87-4860-b3ae-cfd2be372db3 n15->n40 wasGeneratedBy b37 n15->b37 wasDerivedFrom b38 n15->b38 wasDerivedFrom b39 n15->b39 wasDerivedFrom b40 n15->b40 wasDerivedFrom b41 n15->b41 wasDerivedFrom b42 n15->b42 wasDerivedFrom b43 n15->b43 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 594 pl:created_at 2024-03-20T18:13:16.915858 ann7->n15 n17 app:recommendations/1373 n17->n5 wasAttributedTo n17->n6 wasGeneratedBy b4 n17->b4 wasDerivedFrom b5 n17->b5 wasDerivedFrom b6 n17->b6 wasDerivedFrom b7 n17->b7 wasDerivedFrom b8 n17->b8 wasDerivedFrom b9 n17->b9 wasDerivedFrom b10 n17->b10 wasDerivedFrom b11 n17->b11 wasDerivedFrom b12 n17->b12 wasDerivedFrom b13 n17->b13 wasDerivedFrom b14 n17->b14 wasDerivedFrom b15 n17->b15 wasDerivedFrom b16 n17->b16 wasDerivedFrom b17 n17->b17 wasDerivedFrom b18 n17->b18 wasDerivedFrom b19 n17->b19 wasDerivedFrom b20 n17->b20 wasDerivedFrom b21 n17->b21 wasDerivedFrom b22 n17->b22 wasDerivedFrom b23 n17->b23 wasDerivedFrom b24 n17->b24 wasDerivedFrom b25 n17->b25 wasDerivedFrom b26 n17->b26 wasDerivedFrom b27 n17->b27 wasDerivedFrom b28 n17->b28 wasDerivedFrom b29 n17->b29 wasDerivedFrom b30 n17->b30 wasDerivedFrom b31 n17->b31 wasDerivedFrom b32 n17->b32 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-03-20T18:13:16.934286 pl:reason cs:low_credit_score ann8->n17 n20 app:models/creditcard_assessment n41 app:providers/14 n24->n41 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 "688.54" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Jul-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-20T18:13:16.928505 ann9->n24 n25->n41 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "688.54" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Sep-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-20T18:13:16.926318 ann10->n25 n35->n41 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "688.54" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Nov-2023 cs:attr_payment_amount "2.79" %% xsd:float pl:created_at 2024-03-20T18:13:16.931689 ann11->n35 n36->n41 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 "688.54" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Dec-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-20T18:13:16.930102 ann12->n36 ann13 prov:label Wayne Smith-Barber prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n37 n38 app:applications/129/id b35 n38->b35 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 30W, White wall, Lake Leanneborough, L2 5YY cs:attr_applicant_name Wayne Smith-Barber cs:attr_dob "1985-12-21" %% xsd:date cs:attr_prev_address 35 Fowler forge, New Aimeeland, M03 8PP ann14->n38 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n39 n40->n38 used b36 n40->b36 wasAssociatedWith ann16 prov:startTime 2024-03-20T18:13:16.915000+00:00 prov:endTime 2024-03-20T18:13:16.915000+00:00 prov:type cs:SearchingCreditHistory ann16->n40 ann17 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n41 n42 app:providers/5 ann18 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n42 n43 app:records/677 n43->n42 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 30W, White wall, Lake Leanneborough, L2 5YY cs:attr_first_confirmed "2021-12-16" %% xsd:date cs:attr_last_confirmed "2021-04-07" %% xsd:date cs:attr_prev_address 35 Fowler forge, New Aimeeland, M03 8PP pl:created_at 2022-01-08T17:45:48.851292 ann19->n43 n44 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n44 n45 app:records/676 n45->n44 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 30W, White wall, Lake Leanneborough, L2 5YY cs:attr_from_date "2021-02-18" %% xsd:date pl:created_at 2021-12-22T00:00:00 ann21->n45 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n13 b5->n36 b6->n28 b7->n7 b8->n9 b9->n21 b10->n11 b11->n34 b12->n35 b13->n14 b14->n4 b15->n31 b16->n32 b17->n15 b18->n26 b19->n16 b20->n33 b21->n19 b22->n30 b23->n18 b24->n8 b25->n25 b26->n24 b27->n23 b28->n29 b29->n10 b30->n27 b31->n22 b32->n12 b33->n5 b33->n20 plan b34->n17 b35->n4 b36->n39 b37->n38 b38->n24 b39->n45 b40->n35 b41->n25 b42->n43 b43->n36