Provenance for Decision #147

Decided on: May 9, 2025, 1:47 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:3f73422b-2b06-4318-b86e-a1c205e7afa6 n3 app:applications/99 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-05-08T21:47:31.331000+01:00 prov:endTime 2025-05-09T01:47:03.744000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/99 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 17, Turner loop, North Michellestad, WN2 8ZA cs:attr_annual_income 43000 cs:attr_applicant_name Lesley Edwards-Fisher cs:attr_dob "1993-04-13" %% xsd:date cs:attr_email_address choward@example.net cs:attr_emp_length 9 cs:attr_emp_title Engineer, manufacturing cs:attr_home_ownership 1 cs:attr_phone_number +44131 4960955 cs:attr_prev_address 71 Stewart forge, New Leightown, DG24 3LT pl:created_at 2025-05-08T21:47:31.331755 ann3->n3 n4 app:decisions/147 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 2025-05-09T01:47:03.744194 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:18ef3583-748c-4e55-abc7-4b737d3619c4 n6->n3 used n7 app:records/553 n6->n7 used n9 app:creditreports/147 n6->n9 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-05-08T21:47:31.331000+01:00 prov:endTime 2025-05-09T01:47:03.744000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n19 app:providers/15 n7->n19 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 "1114.51" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-05-09T01:47:03.743207 ann7->n7 n8 app:models/creditcard_assessment n13 app:providers/1 n9->n13 wasAttributedTo n14 uuid:8781f3e4-de17-4df7-9512-3cc202fcaf7e n9->n14 wasGeneratedBy b10 n9->b10 wasDerivedFrom b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 148 pl:created_at 2025-05-09T01:47:03.736911 ann8->n9 n10 app:recommendations/147 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-05-09T01:47:03.744194 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Lesley Edwards-Fisher prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/99/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 17, Turner loop, North Michellestad, WN2 8ZA cs:attr_applicant_name Lesley Edwards-Fisher cs:attr_dob "1993-04-13" %% xsd:date cs:attr_prev_address 71 Stewart forge, New Leightown, DG24 3LT ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2025-05-09T01:47:03.736000+01:00 prov:endTime 2025-05-09T01:47:03.736000+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/551 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 17, Turner loop, North Michellestad, WN2 8ZA cs:attr_from_date "2023-08-29" %% xsd:date pl:created_at 2025-04-13T00:00:00 ann15->n16 n17 app:providers/4 ann16 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/552 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 17, Turner loop, North Michellestad, WN2 8ZA cs:attr_first_confirmed "2025-04-12" %% xsd:date cs:attr_last_confirmed "2024-09-26" %% xsd:date cs:attr_prev_address 71 Stewart forge, New Leightown, DG24 3LT pl:created_at 2025-05-09T01:47:03.741812 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->n5 b4->n8 plan b5->n3 b6->n7 b7->n9 b8->n10 b9->n3 b10->n12 b11->n13 b12->n18 b13->n7 b14->n16