Provenance for Decision #1383

Decided on: Aug. 23, 2026, 2:03 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:4d907f8d-7f2c-48f7-814d-b0f88aabeced n3 app:applications/125 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2026-08-23T02:03:23.902000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n65 app:applicants/125 n3->n65 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_annual_income 17000 cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_email_address chambersjames@example.com cs:attr_emp_length 4 cs:attr_emp_title Insurance underwriter cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1314960556 cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-25T19:57:55.598518 ann3->n3 n4 app:decisions/1383 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b62 n4->b62 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 2026-08-23T02:03:23.902144 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:e3c248cf-6b45-45f0-a0ad-ba3642557a33 n6->n3 used n7 app:records/1461 n6->n7 used n8 app:records/2432 n6->n8 used n9 app:records/4499 n6->n9 used n10 app:records/4298 n6->n10 used n11 app:records/4297 n6->n11 used n12 app:records/1348 n6->n12 used n13 app:records/1349 n6->n13 used n14 app:records/2433 n6->n14 used n15 app:records/2434 n6->n15 used n16 app:records/2435 n6->n16 used n17 app:records/1346 n6->n17 used n18 app:records/1347 n6->n18 used n19 app:creditreports/1383 n6->n19 used n20 app:records/2716 n6->n20 used n21 app:records/4500 n6->n21 used n22 app:records/2486 n6->n22 used n23 app:records/2487 n6->n23 used n24 app:records/806 n6->n24 used n25 app:records/807 n6->n25 used n26 app:records/804 n6->n26 used n27 app:records/805 n6->n27 used n28 app:records/2488 n6->n28 used n29 app:records/4502 n6->n29 used n30 app:records/2489 n6->n30 used n31 app:records/4501 n6->n31 used n32 app:records/2606 n6->n32 used n33 app:records/2607 n6->n33 used n34 app:records/2608 n6->n34 used n35 app:records/2609 n6->n35 used n36 app:records/2613 n6->n36 used n37 app:records/2614 n6->n37 used n38 app:records/4519 n6->n38 used n39 app:records/2615 n6->n39 used n40 app:records/2616 n6->n40 used n41 app:records/4518 n6->n41 used n42 app:records/1289 n6->n42 used n43 app:records/2610 n6->n43 used n44 app:records/1445 n6->n44 used n45 app:records/2611 n6->n45 used n46 app:records/1446 n6->n46 used n47 app:records/2612 n6->n47 used n49 app:records/2617 n6->n49 used n50 app:records/2618 n6->n50 used n51 app:records/1969 n6->n51 used n52 app:records/2619 n6->n52 used n53 app:records/1290 n6->n53 used n54 app:records/1291 n6->n54 used n55 app:records/3271 n6->n55 used n56 app:records/4520 n6->n56 used n57 app:records/2023 n6->n57 used n58 app:records/2024 n6->n58 used n59 app:records/4521 n6->n59 used n60 app:records/2025 n6->n60 used n61 app:records/1292 n6->n61 used n63 app:records/2503 n6->n63 used n64 app:records/2026 n6->n64 used b61 n6->b61 wasAssociatedWith ann6 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2026-08-23T02:03:23.902000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n67 app:providers/1 n19->n67 wasAttributedTo n68 uuid:e35c2a4e-6553-4255-b55f-bd562fe4eca3 n19->n68 wasGeneratedBy b64 n19->b64 wasDerivedFrom b66 n19->b66 wasDerivedFrom b67 n19->b67 wasDerivedFrom b68 n19->b68 wasDerivedFrom b69 n19->b69 wasDerivedFrom b70 n19->b70 wasDerivedFrom b71 n19->b71 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 510 pl:created_at 2026-08-23T02:03:23.892360 ann7->n19 n73 app:providers/14 n38->n73 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 "951.84" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "33.27" %% xsd:float pl:created_at 2026-08-23T02:03:23.899981 ann8->n38 n41->n73 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 "951.84" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "51.17" %% xsd:float pl:created_at 2026-08-23T02:03:23.899060 ann9->n41 n48 app:models/creditcard_assessment n56->n73 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 "951.84" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "42.5" %% xsd:float pl:created_at 2026-08-23T02:03:23.900614 ann10->n56 n59->n73 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 "951.84" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "10.31" %% xsd:float pl:created_at 2026-08-23T02:03:23.901202 ann11->n59 n62 app:recommendations/1383 n62->n5 wasAttributedTo n62->n6 wasGeneratedBy b4 n62->b4 wasDerivedFrom b5 n62->b5 wasDerivedFrom b6 n62->b6 wasDerivedFrom b7 n62->b7 wasDerivedFrom b8 n62->b8 wasDerivedFrom b9 n62->b9 wasDerivedFrom b10 n62->b10 wasDerivedFrom b11 n62->b11 wasDerivedFrom b12 n62->b12 wasDerivedFrom b13 n62->b13 wasDerivedFrom b14 n62->b14 wasDerivedFrom b15 n62->b15 wasDerivedFrom b16 n62->b16 wasDerivedFrom b17 n62->b17 wasDerivedFrom b18 n62->b18 wasDerivedFrom b19 n62->b19 wasDerivedFrom b20 n62->b20 wasDerivedFrom b21 n62->b21 wasDerivedFrom b22 n62->b22 wasDerivedFrom b23 n62->b23 wasDerivedFrom b24 n62->b24 wasDerivedFrom b25 n62->b25 wasDerivedFrom b26 n62->b26 wasDerivedFrom b27 n62->b27 wasDerivedFrom b28 n62->b28 wasDerivedFrom b29 n62->b29 wasDerivedFrom b30 n62->b30 wasDerivedFrom b31 n62->b31 wasDerivedFrom b32 n62->b32 wasDerivedFrom b33 n62->b33 wasDerivedFrom b34 n62->b34 wasDerivedFrom b35 n62->b35 wasDerivedFrom b36 n62->b36 wasDerivedFrom b37 n62->b37 wasDerivedFrom b38 n62->b38 wasDerivedFrom b39 n62->b39 wasDerivedFrom b40 n62->b40 wasDerivedFrom b41 n62->b41 wasDerivedFrom b42 n62->b42 wasDerivedFrom b43 n62->b43 wasDerivedFrom b44 n62->b44 wasDerivedFrom b45 n62->b45 wasDerivedFrom b46 n62->b46 wasDerivedFrom b47 n62->b47 wasDerivedFrom b48 n62->b48 wasDerivedFrom b49 n62->b49 wasDerivedFrom b50 n62->b50 wasDerivedFrom b51 n62->b51 wasDerivedFrom b52 n62->b52 wasDerivedFrom b53 n62->b53 wasDerivedFrom b54 n62->b54 wasDerivedFrom b55 n62->b55 wasDerivedFrom b56 n62->b56 wasDerivedFrom b57 n62->b57 wasDerivedFrom b58 n62->b58 wasDerivedFrom b59 n62->b59 wasDerivedFrom b60 n62->b60 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-08-23T02:03:23.902144 pl:reason cs:low_credit_score ann12->n62 ann13 prov:label Margaret Byrne prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n65 n66 app:applications/125/id b63 n66->b63 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW ann14->n66 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n67 n68->n66 used b65 n68->b65 wasAssociatedWith ann16 prov:startTime 2026-08-23T02:03:23.892000+01:00 prov:endTime 2026-08-23T02:03:23.892000+01:00 prov:type cs:SearchingCreditHistory ann16->n68 n69 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n69 n70 app:records/802 n70->n69 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_from_date "2025-01-12" %% xsd:date pl:created_at 2025-06-04T00:00:00 ann18->n70 n71 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n71 n72 app:records/803 n72->n71 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_first_confirmed "2025-06-01" %% xsd:date cs:attr_last_confirmed "2025-02-05" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-27T14:05:01.250383 ann20->n72 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n73 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n22 b5->n24 b6->n17 b7->n54 b8->n16 b9->n39 b10->n35 b11->n15 b12->n18 b13->n53 b14->n7 b15->n32 b16->n13 b17->n21 b18->n64 b19->n38 b20->n37 b21->n52 b22->n12 b23->n20 b24->n34 b25->n60 b26->n42 b27->n47 b28->n49 b29->n50 b30->n26 b31->n28 b32->n44 b33->n46 b34->n19 b35->n9 b36->n56 b37->n43 b38->n30 b39->n23 b40->n27 b41->n31 b42->n33 b43->n40 b44->n36 b45->n63 b46->n8 b47->n57 b48->n51 b49->n41 b50->n25 b51->n29 b52->n61 b53->n14 b54->n10 b55->n55 b56->n59 b57->n11 b58->n3 b59->n58 b60->n45 b61->n5 b61->n48 plan b62->n62 b63->n3 b64->n66 b65->n67 b66->n72 b67->n59 b68->n70 b69->n38 b70->n41 b71->n56