Provenance for Decision #1436

Decided on: Sept. 5, 2026, 2:07 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:e6eae05d-85c4-4d25-8629-26ef30c881ee n3 app:applications/544 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-09-05T14:07:10.535000+01:00 prov:endTime 2026-09-05T14:07:30.510000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/544 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 16 Taylor shores, Deniseside, N8S 9HB cs:attr_annual_income 73000 cs:attr_applicant_name Danny Jones-Roberts cs:attr_dob "1997-06-13" %% xsd:date cs:attr_email_address hollykelly@example.com cs:attr_emp_length 7 cs:attr_emp_title Purchasing manager cs:attr_home_ownership 4 cs:attr_phone_number (020)74960901 cs:attr_prev_address Studio 8, Margaret knolls, Lake Janetmouth, GY0E 9SW pl:created_at 2026-09-05T14:07:10.535142 ann3->n3 n4 app:decisions/1436 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b10 n4->b10 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 2026-09-05T14:07:30.510112 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:b7146945-8f07-4626-b1d2-f57c4b8479f8 n6->n3 used n7 app:records/4685 n6->n7 used n8 app:records/4684 n6->n8 used n10 app:creditreports/1436 n6->n10 used n11 app:records/4683 n6->n11 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2026-09-05T14:07:10.535000+01:00 prov:endTime 2026-09-05T14:07:30.510000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/14 n7->n21 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 "1424.38" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-05T14:07:30.508456 ann7->n7 n8->n21 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 "1424.38" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "75.73" %% xsd:float pl:created_at 2026-09-05T14:07:30.507624 ann8->n8 n9 app:models/creditcard_assessment n15 app:providers/1 n10->n15 wasAttributedTo n16 uuid:a9c0a8e1-4371-462e-a77c-c321be0ab5b8 n10->n16 wasGeneratedBy b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 320 pl:created_at 2026-09-05T14:07:30.497194 ann9->n10 n11->n21 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 "1424.38" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "3.18" %% xsd:float pl:created_at 2026-09-05T14:07:30.506336 ann10->n11 n12 app:recommendations/1436 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-05T14:07:30.510112 pl:reason cs:low_credit_score ann11->n12 ann12 prov:label Danny Jones-Roberts prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/544/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 16 Taylor shores, Deniseside, N8S 9HB cs:attr_applicant_name Danny Jones-Roberts cs:attr_dob "1997-06-13" %% xsd:date cs:attr_prev_address Studio 8, Margaret knolls, Lake Janetmouth, GY0E 9SW ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2026-09-05T14:07:30.497000+01:00 prov:endTime 2026-09-05T14:07:30.497000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/4681 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 16 Taylor shores, Deniseside, N8S 9HB cs:attr_from_date "2025-04-05" %% xsd:date pl:created_at 2026-08-19T00:00:00 ann17->n18 n19 app:providers/11 ann18 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/4682 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 16 Taylor shores, Deniseside, N8S 9HB cs:attr_first_confirmed "2026-08-30" %% xsd:date cs:attr_last_confirmed "2026-07-16" %% xsd:date cs:attr_prev_address Studio 8, Margaret knolls, Lake Janetmouth, GY0E 9SW pl:created_at 2026-09-05T14:07:30.504047 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n7 b5->n8 b6->n11 b7->n10 b8->n3 b9->n5 b9->n9 plan b10->n12 b11->n3 b12->n15 b13->n14 b14->n11 b15->n18 b16->n20 b17->n8 b18->n7