Provenance for Decision #138

Decided on: April 25, 2025, 9:39 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:d10b2422-048c-4ad4-9fd3-a83001b9b5da n3 app:applications/79 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-04-21T20:35:32.858000+01:00 prov:endTime 2025-04-25T21:39:29.550000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n20 app:applicants/79 n3->n20 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 94J, Jones shoal, New Aaron, EN6E 9UH cs:attr_annual_income 14000 cs:attr_applicant_name Tina Giles cs:attr_dob "1995-08-25" %% xsd:date cs:attr_email_address mitchellbernard@example.net cs:attr_emp_length 11 cs:attr_emp_title Technical sales engineer cs:attr_home_ownership 2 cs:attr_phone_number +441174960244 cs:attr_prev_address Flat 14Y, Khan isle, West Gerard, CA6N 2SA pl:created_at 2025-04-21T20:35:32.858635 ann3->n3 n4 app:decisions/138 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b17 n4->b17 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 2025-04-25T21:39:29.550108 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:972ca097-26a8-4e37-a6b9-b0156fe390f5 n6->n3 used n7 app:records/509 n6->n7 used n8 app:records/507 n6->n8 used n9 app:records/508 n6->n9 used n10 app:records/506 n6->n10 used n11 app:records/525 n6->n11 used n12 app:creditreports/138 n6->n12 used n13 app:records/526 n6->n13 used n14 app:records/523 n6->n14 used n15 app:records/524 n6->n15 used n16 app:records/499 n6->n16 used n18 app:records/498 n6->n18 used b16 n6->b16 wasAssociatedWith ann6 prov:startTime 2025-04-21T20:35:32.858000+01:00 prov:endTime 2025-04-25T21:39:29.550000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n28 app:providers/15 n11->n28 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 "766.78" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "47.98" %% xsd:float pl:created_at 2025-04-25T21:39:29.548710 ann7->n11 n22 app:providers/1 n12->n22 wasAttributedTo n23 uuid:f89fea72-a65a-411d-8164-e670b7ec9a30 n12->n23 wasGeneratedBy b20 n12->b20 wasDerivedFrom b21 n12->b21 wasDerivedFrom b22 n12->b22 wasDerivedFrom b23 n12->b23 wasDerivedFrom b24 n12->b24 wasDerivedFrom b25 n12->b25 wasDerivedFrom b26 n12->b26 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 430 pl:created_at 2025-04-25T21:39:29.543159 ann8->n12 n13->n28 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 "766.78" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-25T21:39:29.549231 ann9->n13 n14->n28 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 "766.78" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "75.23" %% xsd:float pl:created_at 2025-04-25T21:39:29.547296 ann10->n14 n15->n28 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 "766.78" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-04-25T21:39:29.548114 ann11->n15 n17 app:models/creditcard_assessment n19 app:recommendations/138 n19->n5 wasAttributedTo n19->n6 wasGeneratedBy b4 n19->b4 wasDerivedFrom b5 n19->b5 wasDerivedFrom b6 n19->b6 wasDerivedFrom b7 n19->b7 wasDerivedFrom b8 n19->b8 wasDerivedFrom b9 n19->b9 wasDerivedFrom b10 n19->b10 wasDerivedFrom b11 n19->b11 wasDerivedFrom b12 n19->b12 wasDerivedFrom b13 n19->b13 wasDerivedFrom b14 n19->b14 wasDerivedFrom b15 n19->b15 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-04-25T21:39:29.550108 pl:reason cs:low_credit_score ann12->n19 ann13 prov:label Tina Giles prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n20 n21 app:applications/79/id b18 n21->b18 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 94J, Jones shoal, New Aaron, EN6E 9UH cs:attr_applicant_name Tina Giles cs:attr_dob "1995-08-25" %% xsd:date cs:attr_prev_address Flat 14Y, Khan isle, West Gerard, CA6N 2SA ann14->n21 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n22 n23->n21 used b19 n23->b19 wasAssociatedWith ann16 prov:startTime 2025-04-25T21:39:29.543000+01:00 prov:endTime 2025-04-25T21:39:29.543000+01:00 prov:type cs:SearchingCreditHistory ann16->n23 n24 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n24 n25 app:records/496 n25->n24 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 94J, Jones shoal, New Aaron, EN6E 9UH cs:attr_from_date "2025-04-18" %% xsd:date pl:created_at 2025-04-20T00:00:00 ann18->n25 n26 app:providers/5 ann19 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n26 n27 app:records/497 n27->n26 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 94J, Jones shoal, New Aaron, EN6E 9UH cs:attr_first_confirmed "2025-04-15" %% xsd:date cs:attr_last_confirmed "2024-06-30" %% xsd:date cs:attr_prev_address Flat 14Y, Khan isle, West Gerard, CA6N 2SA pl:created_at 2025-04-25T14:24:08.603555 ann20->n27 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n28 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n15 b5->n11 b6->n9 b7->n16 b8->n3 b9->n12 b10->n18 b11->n7 b12->n8 b13->n10 b14->n14 b15->n13 b16->n5 b16->n17 plan b17->n19 b18->n3 b19->n22 b20->n21 b21->n27 b22->n14 b23->n15 b24->n11 b25->n25 b26->n13