Provenance for Decision #1415

Decided on: March 31, 2024, 8:29 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:dc101e6b-2e92-4a82-ae4c-c0d0d46fc73b n3 app:applications/258 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-11-22T00:07:32.128000+00:00 prov:endTime 2024-03-31T08:29:30.614000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n25 app:applicants/258 n3->n25 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 79, Amy crossing, Smithtown, BB8 2LZ cs:attr_annual_income 28000 cs:attr_applicant_name Mathew Hall-Knowles cs:attr_dob "1985-11-23" %% xsd:date cs:attr_email_address parkerashleigh@example.com cs:attr_emp_length 9 cs:attr_emp_title Clinical molecular geneticist cs:attr_home_ownership 2 cs:attr_phone_number (0114) 496 0878 cs:attr_prev_address Studio 11, Martin lodge, East Cherylshire, G43 7HQ pl:created_at 2022-11-22T00:07:32.128723 ann3->n3 n4 app:decisions/1415 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b22 n4->b22 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 2024-03-31T08:29:30.614583 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:3b86f5d2-b921-4853-b3fd-7508be64adf0 n6->n3 used n7 app:records/2077 n6->n7 used n8 app:records/2078 n6->n8 used n9 app:records/2882 n6->n9 used n10 app:records/2883 n6->n10 used n11 app:creditreports/1415 n6->n11 used n12 app:records/2076 n6->n12 used n13 app:records/1799 n6->n13 used n14 app:records/4418 n6->n14 used n15 app:records/4417 n6->n15 used n16 app:records/1800 n6->n16 used n17 app:records/2438 n6->n17 used n18 app:records/2884 n6->n18 used n19 app:records/2885 n6->n19 used n20 app:records/4416 n6->n20 used n21 app:records/1798 n6->n21 used n22 app:records/4415 n6->n22 used b21 n6->b21 wasAssociatedWith ann6 prov:startTime 2022-11-22T00:07:32.128000+00:00 prov:endTime 2024-03-31T08:29:30.614000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n27 app:providers/1 n11->n27 wasAttributedTo n28 uuid:415d0065-c9f9-4c9b-9201-7f46fcdc6327 n11->n28 wasGeneratedBy b24 n11->b24 wasDerivedFrom b26 n11->b26 wasDerivedFrom b27 n11->b27 wasDerivedFrom b28 n11->b28 wasDerivedFrom b29 n11->b29 wasDerivedFrom b30 n11->b30 wasDerivedFrom b31 n11->b31 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 391 pl:created_at 2024-03-31T08:29:30.597989 ann7->n11 n29 app:providers/15 n14->n29 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "947.54" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Oct-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-31T08:29:30.611876 ann8->n14 n15->n29 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 "947.54" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Oct-2023 cs:attr_payment_amount "36.61" %% xsd:float pl:created_at 2024-03-31T08:29:30.610409 ann9->n15 n20->n29 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 "947.54" %% 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 2024-03-31T08:29:30.608908 ann10->n20 n22->n29 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 "947.54" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Sep-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-03-31T08:29:30.607041 ann11->n22 n23 app:models/creditcard_assessment n24 app:recommendations/1415 n24->n5 wasAttributedTo n24->n6 wasGeneratedBy b4 n24->b4 wasDerivedFrom b5 n24->b5 wasDerivedFrom b6 n24->b6 wasDerivedFrom b7 n24->b7 wasDerivedFrom b8 n24->b8 wasDerivedFrom b9 n24->b9 wasDerivedFrom b10 n24->b10 wasDerivedFrom b11 n24->b11 wasDerivedFrom b12 n24->b12 wasDerivedFrom b13 n24->b13 wasDerivedFrom b14 n24->b14 wasDerivedFrom b15 n24->b15 wasDerivedFrom b16 n24->b16 wasDerivedFrom b17 n24->b17 wasDerivedFrom b18 n24->b18 wasDerivedFrom b19 n24->b19 wasDerivedFrom b20 n24->b20 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-03-31T08:29:30.614583 pl:reason cs:low_credit_score ann12->n24 ann13 prov:label Mathew Hall-Knowles prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n25 n26 app:applications/258/id b23 n26->b23 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 79, Amy crossing, Smithtown, BB8 2LZ cs:attr_applicant_name Mathew Hall-Knowles cs:attr_dob "1985-11-23" %% xsd:date cs:attr_prev_address Studio 11, Martin lodge, East Cherylshire, G43 7HQ ann14->n26 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n27 n28->n26 used b25 n28->b25 wasAssociatedWith ann16 prov:startTime 2024-03-31T08:29:30.597000+01:00 prov:endTime 2024-03-31T08:29:30.597000+01:00 prov:type cs:SearchingCreditHistory ann16->n28 ann17 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n29 n30 app:providers/4 ann18 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n30 n31 app:records/1797 n31->n30 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 79, Amy crossing, Smithtown, BB8 2LZ cs:attr_first_confirmed "2022-11-02" %% xsd:date cs:attr_last_confirmed "2022-02-04" %% xsd:date cs:attr_prev_address Studio 11, Martin lodge, East Cherylshire, G43 7HQ pl:created_at 2022-11-25T21:46:27.089395 ann19->n31 n32 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n32 n33 app:records/1796 n33->n32 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 79, Amy crossing, Smithtown, BB8 2LZ cs:attr_from_date "2021-06-19" %% xsd:date pl:created_at 2022-11-21T00:00:00 ann21->n33 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n16 b6->n19 b7->n3 b8->n22 b9->n12 b10->n20 b11->n8 b12->n14 b13->n7 b14->n15 b15->n11 b16->n9 b17->n18 b18->n17 b19->n21 b20->n13 b21->n5 b21->n23 plan b22->n24 b23->n3 b24->n26 b25->n27 b26->n15 b27->n14 b28->n22 b29->n31 b30->n33 b31->n20