Provenance for Decision #1404

Decided on: March 28, 2024, 10:48 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:eb401f57-e700-4b98-8c7b-2281d318914d n4 app:applications/450 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2024-03-28T10:48:37.084000+00:00 prov:endTime 2024-03-28T10:48:53.990000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1404 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b9 n3->b9 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 2024-03-28T10:48:53.990700 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/450 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 50 Tracey common, Bethshire, CW2X 3UX cs:attr_annual_income 22000 cs:attr_applicant_name Douglas Pratt cs:attr_dob "1967-07-01" %% xsd:date cs:attr_email_address elainebriggs@example.net cs:attr_emp_length 29 cs:attr_emp_title Regulatory affairs officer cs:attr_home_ownership 3 cs:attr_phone_number 0118 4960882 cs:attr_prev_address Studio 5, Nigel locks, Lake Bethan, E3K 5DD pl:created_at 2024-03-28T10:48:37.084996 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:33eae1f9-f9b2-4453-bdc9-c419c6dbe072 n6->n4 used n9 app:creditreports/1404 n6->n9 used n10 app:records/4391 n6->n10 used n11 app:records/4390 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2024-03-28T10:48:37.084000+00:00 prov:endTime 2024-03-28T10:48:53.990000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/1404 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-03-28T10:48:53.990700 pl:reason cs:low_credit_score ann7->n8 n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:5fa28cf4-d241-4f45-b531-3d0f5901b36c n9->n15 wasGeneratedBy b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 135 pl:created_at 2024-03-28T10:48:53.972156 ann8->n9 n16 app:providers/14 n10->n16 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 "2372.18" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Dec-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-28T10:48:53.988302 ann9->n10 n11->n16 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 "2372.18" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Mar-2024 cs:attr_payment_amount "77.71" %% xsd:float pl:created_at 2024-03-28T10:48:53.986579 ann10->n11 ann11 prov:label Douglas Pratt prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/450/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 50 Tracey common, Bethshire, CW2X 3UX cs:attr_applicant_name Douglas Pratt cs:attr_dob "1967-07-01" %% xsd:date cs:attr_prev_address Studio 5, Nigel locks, Lake Bethan, E3K 5DD ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2024-03-28T10:48:53.972000+00:00 prov:endTime 2024-03-28T10:48:53.972000+00:00 prov:type cs:SearchingCreditHistory ann14->n15 ann15 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann15->n16 n17 app:providers/3 ann16 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/4389 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 50 Tracey common, Bethshire, CW2X 3UX cs:attr_first_confirmed "2024-03-15" %% xsd:date cs:attr_last_confirmed "2023-10-14" %% xsd:date cs:attr_prev_address Studio 5, Nigel locks, Lake Bethan, E3K 5DD pl:created_at 2024-03-28T10:48:53.983168 ann17->n18 n19 app:providers/2 ann18 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann18->n19 n20 app:records/4388 n20->n19 wasAttributedTo ann19 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 50 Tracey common, Bethshire, CW2X 3UX cs:attr_from_date "2023-03-18" %% xsd:date pl:created_at 2024-03-18T00:00:00 ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n4 b6->n11 b7->n10 b8->n5 b8->n7 plan b9->n8 b10->n4 b11->n14 b12->n13 b13->n11 b14->n18 b15->n20 b16->n10