Provenance for Decision #1438

Decided on: Sept. 5, 2026, 11:55 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:9bf7207c-8bf3-4488-8008-0e7d066c47a9 n3 app:applications/545 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-09-05T23:55:00.438000+01:00 prov:endTime 2026-09-05T23:55:20.251000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/545 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 823 Diane path, New Robinstad, UB0X 6LW cs:attr_annual_income 77000 cs:attr_applicant_name Hayley Walters-Walker cs:attr_dob "2006-09-29" %% xsd:date cs:attr_email_address wilsonrachael@example.net cs:attr_emp_length 0 cs:attr_emp_title Air broker cs:attr_home_ownership 2 cs:attr_phone_number (0131) 496 0646 cs:attr_prev_address 1 Callum flats, Lake Mauriceside, G3 4EJ pl:created_at 2026-09-05T23:55:00.438218 ann3->n3 n4 app:decisions/1438 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 2026-09-05T23:55:20.251032 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:607a96fd-55ae-4b85-aa7d-6c10992227e9 n6->n3 used n8 app:records/4692 n6->n8 used n9 app:creditreports/1438 n6->n9 used n11 app:records/4691 n6->n11 used n12 app:records/4690 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2026-09-05T23:55:00.438000+01:00 prov:endTime 2026-09-05T23:55:20.251000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n21 app:providers/15 n8->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 "624.06" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-05T23:55:20.249786 ann7->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:790436a2-2fa7-4fbf-b889-fe6f07726796 n9->n16 wasGeneratedBy b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 270 pl:created_at 2026-09-05T23:55:20.239392 ann8->n9 n10 app:recommendations/1438 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-05T23:55:20.251032 pl:reason cs:low_credit_score 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 "624.06" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "58.14" %% xsd:float pl:created_at 2026-09-05T23:55:20.248902 ann10->n11 n12->n21 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 "624.06" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-05T23:55:20.247699 ann11->n12 ann12 prov:label Hayley Walters-Walker prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/545/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 823 Diane path, New Robinstad, UB0X 6LW cs:attr_applicant_name Hayley Walters-Walker cs:attr_dob "2006-09-29" %% xsd:date cs:attr_prev_address 1 Callum flats, Lake Mauriceside, G3 4EJ 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 2026-09-05T23:55:20.239000+01:00 prov:endTime 2026-09-05T23:55:20.239000+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/4688 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 823 Diane path, New Robinstad, UB0X 6LW cs:attr_from_date "2025-12-25" %% xsd:date pl:created_at 2026-08-06T00:00:00 ann17->n18 n19 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/4689 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 823 Diane path, New Robinstad, UB0X 6LW cs:attr_first_confirmed "2026-08-17" %% xsd:date cs:attr_last_confirmed "2025-12-20" %% xsd:date cs:attr_prev_address 1 Callum flats, Lake Mauriceside, G3 4EJ pl:created_at 2026-09-05T23:55:20.245570 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n12 b5->n9 b6->n3 b7->n11 b8->n8 b9->n5 b9->n7 plan b10->n10 b11->n3 b12->n15 b13->n14 b14->n11 b15->n8 b16->n20 b17->n18 b18->n12