Provenance for Decision #1441

Decided on: Sept. 7, 2026, 2:58 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:fa2a42e3-13ce-42af-8ea9-aeddbf239db8 n3 app:applications/546 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-09-07T02:58:36.538000+01:00 prov:endTime 2026-09-07T02:58:49.066000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/546 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL cs:attr_annual_income 27000 cs:attr_applicant_name Vincent Fry-Wood cs:attr_dob "1998-10-08" %% xsd:date cs:attr_email_address jennabanks@example.org cs:attr_emp_length 6 cs:attr_emp_title Clothing/textile technologist cs:attr_home_ownership 3 cs:attr_phone_number +44(0)292018368 cs:attr_prev_address Flat 91, Aaron turnpike, North Dennisland, L06 2LJ pl:created_at 2026-09-07T02:58:36.538012 ann3->n3 n4 app:decisions/1441 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b8 n4->b8 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 2026-09-07T02:58:49.066689 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:64f7e767-4959-4702-b3e0-11806e1116c4 n6->n3 used n8 app:creditreports/1441 n6->n8 used n9 app:records/4699 n6->n9 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-09-07T02:58:36.538000+01:00 prov:endTime 2026-09-07T02:58:49.066000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n13 app:providers/1 n8->n13 wasAttributedTo n14 uuid:d0583906-8ba3-4d78-a224-41dbea8ee181 n8->n14 wasGeneratedBy b11 n8->b11 wasDerivedFrom b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 611 pl:created_at 2026-09-07T02:58:49.057750 ann7->n8 n19 app:providers/15 n9->n19 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 "557.59" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "53.99" %% xsd:float pl:created_at 2026-09-07T02:58:49.065618 ann8->n9 n10 app:recommendations/1441 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-07T02:58:49.066689 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Vincent Fry-Wood prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/546/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL cs:attr_applicant_name Vincent Fry-Wood cs:attr_dob "1998-10-08" %% xsd:date cs:attr_prev_address Flat 91, Aaron turnpike, North Dennisland, L06 2LJ ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b10 n14->b10 wasAssociatedWith ann13 prov:startTime 2026-09-07T02:58:49.057000+01:00 prov:endTime 2026-09-07T02:58:49.057000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/4697 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL cs:attr_from_date "2025-01-22" %% xsd:date pl:created_at 2026-08-13T00:00:00 ann15->n16 n17 app:providers/13 ann16 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/4698 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL cs:attr_first_confirmed "2026-09-02" %% xsd:date cs:attr_last_confirmed "2026-08-19" %% xsd:date cs:attr_prev_address Flat 91, Aaron turnpike, North Dennisland, L06 2LJ pl:created_at 2026-09-07T02:58:49.064063 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n3 b6->n9 b7->n5 b7->n7 plan b8->n10 b9->n3 b10->n13 b11->n12 b12->n18 b13->n9 b14->n16