Provenance for Decision #145

Decided on: Nov. 17, 2021, 3:01 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:7f47ca40-8de6-41a9-bd2f-5d7f0178bf88 n3 app:applications/120 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2021-11-17T14:59:32.068000+00:00 prov:endTime 2021-11-17T15:01:32.667000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/120 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 155 Shepherd drive, South Melissabury, E5U 8LN cs:attr_annual_income 44000 cs:attr_applicant_name Michelle Shepherd cs:attr_dob "1964-06-25" %% xsd:date cs:attr_email_address bennettmatthew@outlook.com cs:attr_emp_length 28 cs:attr_emp_title Bookseller cs:attr_home_ownership 4 cs:attr_phone_number 0116 4960897 cs:attr_prev_address 895 Gregory divide, Chloeton, B46 1GP pl:created_at 2021-11-17T14:59:32.068356 ann3->n3 n4 app:decisions/145 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2021-11-17T15:01:32.667619 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:08f3c02e-8365-4ad9-9767-86b42f1204a4 n6->n3 used n8 app:records/606 n6->n8 used n9 app:creditreports/145 n6->n9 used n11 app:records/604 n6->n11 used n12 app:records/605 n6->n12 used n13 app:records/603 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2021-11-17T14:59:32.068000+00:00 prov:endTime 2021-11-17T15:01:32.667000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/15 n8->n22 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 "218.91" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Oct-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-11-17T15:01:32.664891 ann7->n8 n16 app:providers/1 n9->n16 wasAttributedTo n17 uuid:de915343-67d4-4241-945d-84d88e24774a n9->n17 wasGeneratedBy b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom b19 n9->b19 wasDerivedFrom b20 n9->b20 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 97 pl:created_at 2021-11-17T15:01:32.643027 ann8->n9 n10 app:recommendations/145 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 b9 n10->b9 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2021-11-17T15:01:32.667619 pl:reason cs:low_credit_score ann9->n10 n11->n22 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 "218.91" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Sep-2021 cs:attr_payment_amount "13.35" %% xsd:float pl:created_at 2021-11-17T15:01:32.661756 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 "218.91" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Aug-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-11-17T15:01:32.663313 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 "218.91" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Nov-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-11-17T15:01:32.659873 ann12->n13 ann13 prov:label Michelle Shepherd prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/120/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 155 Shepherd drive, South Melissabury, E5U 8LN cs:attr_applicant_name Michelle Shepherd cs:attr_dob "1964-06-25" %% xsd:date cs:attr_prev_address 895 Gregory divide, Chloeton, B46 1GP ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2021-11-17T15:01:32.643000+00:00 prov:endTime 2021-11-17T15:01:32.643000+00:00 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/601 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 155 Shepherd drive, South Melissabury, E5U 8LN cs:attr_from_date "2020-12-20" %% xsd:date pl:created_at 2021-10-30T00:00:00 ann18->n19 n20 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/602 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 155 Shepherd drive, South Melissabury, E5U 8LN cs:attr_first_confirmed "2021-10-19" %% xsd:date cs:attr_last_confirmed "2021-04-09" %% xsd:date cs:attr_prev_address 895 Gregory divide, Chloeton, B46 1GP pl:created_at 2021-11-17T15:01:32.656177 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n11 b6->n8 b7->n9 b8->n12 b9->n13 b10->n5 b10->n7 plan b11->n10 b12->n3 b13->n16 b14->n15 b15->n13 b16->n19 b17->n12 b18->n11 b19->n21 b20->n8