Provenance for Decision #1445

Decided on: Sept. 7, 2026, 10:48 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:ddf41b8e-0f8b-4189-b9a3-4c3af1cf7cd0 n3 app:applications/547 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-09-07T22:48:43.709000+01:00 prov:endTime 2026-09-07T22:48:59.295000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/547 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ cs:attr_annual_income 101000 cs:attr_applicant_name Lee Whitehead cs:attr_dob "1966-12-09" %% xsd:date cs:attr_email_address bedwards@example.com cs:attr_emp_length 39 cs:attr_emp_title Airline pilot cs:attr_home_ownership 4 cs:attr_phone_number 0292018582 cs:attr_prev_address 4 Hughes river, West Daniel, B9S 4GN pl:created_at 2026-09-07T22:48:43.709587 ann3->n3 n4 app:decisions/1445 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2026-09-07T22:48:59.295418 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:57fdf1e3-3bd5-4b85-bd27-3bb006570d96 n6->n3 used n9 app:records/4708 n6->n9 used n10 app:records/4709 n6->n10 used n11 app:creditreports/1445 n6->n11 used n12 app:records/4711 n6->n12 used n13 app:records/4710 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-09-07T22:48:43.709000+01:00 prov:endTime 2026-09-07T22:48:59.295000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/1445 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom b9 n7->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-07T22:48:59.295418 pl:reason cs:low_credit_score ann7->n7 n8 app:models/creditcard_assessment n22 app:providers/15 n9->n22 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 "137.43" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "11.86" %% xsd:float pl:created_at 2026-09-07T22:48:59.290838 ann8->n9 n10->n22 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 "137.43" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "11.19" %% xsd:float pl:created_at 2026-09-07T22:48:59.291984 ann9->n10 n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:582a8f64-cebf-4ece-966b-027c5afa7005 n11->n17 wasGeneratedBy b13 n11->b13 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom b19 n11->b19 wasDerivedFrom b20 n11->b20 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 495 pl:created_at 2026-09-07T22:48:59.270328 ann10->n11 n12->n22 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 "137.43" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-07T22:48:59.293866 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "137.43" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-07T22:48:59.292866 ann12->n13 ann13 prov:label Lee Whitehead prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/547/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ cs:attr_applicant_name Lee Whitehead cs:attr_dob "1966-12-09" %% xsd:date cs:attr_prev_address 4 Hughes river, West Daniel, B9S 4GN ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2026-09-07T22:48:59.270000+01:00 prov:endTime 2026-09-07T22:48:59.270000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/4706 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ cs:attr_from_date "2026-01-27" %% xsd:date pl:created_at 2026-08-13T00:00:00 ann18->n19 n20 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/4707 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ cs:attr_first_confirmed "2026-08-09" %% xsd:date cs:attr_last_confirmed "2026-08-08" %% xsd:date cs:attr_prev_address 4 Hughes river, West Daniel, B9S 4GN pl:created_at 2026-09-07T22:48:59.287875 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n13 b5->n10 b6->n3 b7->n9 b8->n11 b9->n12 b10->n5 b10->n8 plan b11->n7 b12->n3 b13->n15 b14->n16 b15->n10 b16->n19 b17->n12 b18->n21 b19->n13 b20->n9