Provenance for Decision #1401

Decided on: March 28, 2024, 5:24 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:3f38d7fd-5ebd-40d8-bec9-3d529deff054 n4 app:applications/283 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2023-01-03T12:30:12.996000+00:00 prov:endTime 2024-03-28T05:24:14.982000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1401 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b23 n3->b23 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 2024-03-28T05:24:14.982359 pl:reason cs:low_credit_score ann3->n3 n26 app:applicants/283 n4->n26 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 62U, Daniel brooks, Catherineville, DY0X 6ZB cs:attr_annual_income 118000 cs:attr_applicant_name Kirsty Tomlinson cs:attr_dob "1980-01-17" %% xsd:date cs:attr_email_address tscott@example.net cs:attr_emp_length 7 cs:attr_emp_title Engineer, civil (consulting) cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1632 960 085 cs:attr_prev_address Flat 46, Fitzgerald motorway, Kellyborough, B5 0TU pl:created_at 2023-01-03T12:30:12.996999 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:0f1e7b64-64b3-4f05-a32f-eb2330236bf8 n6->n4 used n7 app:records/1990 n6->n7 used n8 app:records/2298 n6->n8 used n9 app:records/1991 n6->n9 used n10 app:records/4379 n6->n10 used n11 app:records/1981 n6->n11 used n12 app:records/1992 n6->n12 used n13 app:records/2657 n6->n13 used n14 app:creditreports/1401 n6->n14 used n15 app:records/3559 n6->n15 used n16 app:records/1982 n6->n16 used n17 app:records/1983 n6->n17 used n18 app:records/1984 n6->n18 used n19 app:records/2655 n6->n19 used n20 app:records/2656 n6->n20 used n23 app:records/4380 n6->n23 used n24 app:records/4382 n6->n24 used n25 app:records/4381 n6->n25 used b22 n6->b22 wasAssociatedWith ann6 prov:startTime 2023-01-03T12:30:12.996000+00:00 prov:endTime 2024-03-28T05:24:14.982000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n30 app:providers/14 n10->n30 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 "447.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Aug-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-28T05:24:14.974940 ann7->n10 n28 app:providers/1 n14->n28 wasAttributedTo n29 uuid:828e9275-103c-41cf-abdf-6824f8168dee n14->n29 wasGeneratedBy b26 n14->b26 wasDerivedFrom b27 n14->b27 wasDerivedFrom b28 n14->b28 wasDerivedFrom b29 n14->b29 wasDerivedFrom b30 n14->b30 wasDerivedFrom b31 n14->b31 wasDerivedFrom b32 n14->b32 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 416 pl:created_at 2024-03-28T05:24:14.965280 ann8->n14 n21 app:recommendations/1401 n21->n5 wasAttributedTo n21->n6 wasGeneratedBy b4 n21->b4 wasDerivedFrom b5 n21->b5 wasDerivedFrom b6 n21->b6 wasDerivedFrom b7 n21->b7 wasDerivedFrom b8 n21->b8 wasDerivedFrom b9 n21->b9 wasDerivedFrom b10 n21->b10 wasDerivedFrom b11 n21->b11 wasDerivedFrom b12 n21->b12 wasDerivedFrom b13 n21->b13 wasDerivedFrom b14 n21->b14 wasDerivedFrom b15 n21->b15 wasDerivedFrom b16 n21->b16 wasDerivedFrom b17 n21->b17 wasDerivedFrom b18 n21->b18 wasDerivedFrom b19 n21->b19 wasDerivedFrom b20 n21->b20 wasDerivedFrom b21 n21->b21 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-03-28T05:24:14.982359 pl:reason cs:low_credit_score ann9->n21 n22 app:models/creditcard_assessment n23->n30 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 "447.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jan-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-28T05:24:14.976912 ann10->n23 n24->n30 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 "447.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-28T05:24:14.979935 ann11->n24 n25->n30 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 "447.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-28T05:24:14.978403 ann12->n25 ann13 prov:label Kirsty Tomlinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n26 n27 app:applications/283/id b24 n27->b24 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 62U, Daniel brooks, Catherineville, DY0X 6ZB cs:attr_applicant_name Kirsty Tomlinson cs:attr_dob "1980-01-17" %% xsd:date cs:attr_prev_address Flat 46, Fitzgerald motorway, Kellyborough, B5 0TU ann14->n27 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n28 n29->n27 used b25 n29->b25 wasAssociatedWith ann16 prov:startTime 2024-03-28T05:24:14.965000+00:00 prov:endTime 2024-03-28T05:24:14.965000+00:00 prov:type cs:SearchingCreditHistory ann16->n29 ann17 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n30 n31 app:providers/5 ann18 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n31 n32 app:records/1980 n32->n31 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 62U, Daniel brooks, Catherineville, DY0X 6ZB cs:attr_first_confirmed "2022-12-27" %% xsd:date cs:attr_last_confirmed "2022-05-02" %% xsd:date cs:attr_prev_address Flat 46, Fitzgerald motorway, Kellyborough, B5 0TU pl:created_at 2023-01-13T13:07:21.118013 ann19->n32 n33 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n33 n34 app:records/1979 n34->n33 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 62U, Daniel brooks, Catherineville, DY0X 6ZB cs:attr_from_date "2022-09-18" %% xsd:date pl:created_at 2022-12-24T00:00:00 ann21->n34 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n18 b5->n16 b6->n14 b7->n13 b8->n25 b9->n24 b10->n12 b11->n17 b12->n10 b13->n20 b14->n23 b15->n7 b16->n9 b17->n11 b18->n19 b19->n15 b20->n4 b21->n8 b22->n5 b22->n22 plan b23->n21 b24->n4 b25->n28 b26->n27 b27->n32 b28->n34 b29->n25 b30->n24 b31->n10 b32->n23