Provenance for Decision #149

Decided on: May 9, 2025, 7:54 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:e033667a-d6ca-48ae-a0d3-2f89c60c4789 n3 app:applications/65 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-05-09T07:54:41.339000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n21 app:applicants/65 n3->n21 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_annual_income 104000 cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_email_address vincent95@example.org cs:attr_emp_length 24 cs:attr_emp_title Air cabin crew cs:attr_home_ownership 3 cs:attr_phone_number +443069990490 cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T03:30:13.630186 ann3->n3 n4 app:decisions/149 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b18 n4->b18 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 2025-05-09T07:54:41.339637 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:7bb14c69-f374-4c0d-9604-a420b7609fac n6->n3 used n7 app:records/538 n6->n7 used n8 app:records/539 n6->n8 used n9 app:creditreports/149 n6->n9 used n10 app:records/558 n6->n10 used n11 app:records/559 n6->n11 used n12 app:records/557 n6->n12 used n13 app:records/400 n6->n13 used n14 app:records/398 n6->n14 used n15 app:records/541 n6->n15 used n17 app:records/399 n6->n17 used n18 app:records/540 n6->n18 used n19 app:records/397 n6->n19 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-05-09T07:54:41.339000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n23 app:providers/1 n9->n23 wasAttributedTo n24 uuid:4bb58be1-8a18-4f75-bc0d-fe9983077683 n9->n24 wasGeneratedBy b21 n9->b21 wasDerivedFrom b22 n9->b22 wasDerivedFrom b23 n9->b23 wasDerivedFrom b24 n9->b24 wasDerivedFrom b25 n9->b25 wasDerivedFrom b26 n9->b26 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 481 pl:created_at 2025-05-09T07:54:41.332756 ann7->n9 n29 app:providers/14 n10->n29 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 "474.68" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "34.75" %% xsd:float pl:created_at 2025-05-09T07:54:41.338079 ann8->n10 n11->n29 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 "474.68" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "27.75" %% xsd:float pl:created_at 2025-05-09T07:54:41.338712 ann9->n11 n12->n29 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 "474.68" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "8.25" %% xsd:float pl:created_at 2025-05-09T07:54:41.337006 ann10->n12 n16 app:models/creditcard_assessment n20 app:recommendations/149 n20->n5 wasAttributedTo n20->n6 wasGeneratedBy b5 n20->b5 wasDerivedFrom b6 n20->b6 wasDerivedFrom b7 n20->b7 wasDerivedFrom b8 n20->b8 wasDerivedFrom b9 n20->b9 wasDerivedFrom b10 n20->b10 wasDerivedFrom b11 n20->b11 wasDerivedFrom b12 n20->b12 wasDerivedFrom b13 n20->b13 wasDerivedFrom b14 n20->b14 wasDerivedFrom b15 n20->b15 wasDerivedFrom b16 n20->b16 wasDerivedFrom b17 n20->b17 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-05-09T07:54:41.339637 pl:reason cs:low_credit_score ann11->n20 ann12 prov:label Kayleigh Robinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n21 n22 app:applications/65/id b19 n22->b19 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT ann13->n22 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n23 n24->n22 used b20 n24->b20 wasAssociatedWith ann15 prov:startTime 2025-05-09T07:54:41.332000+01:00 prov:endTime 2025-05-09T07:54:41.332000+01:00 prov:type cs:SearchingCreditHistory ann15->n24 n25 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n25 n26 app:records/395 n26->n25 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_from_date "2023-05-10" %% xsd:date pl:created_at 2025-03-17T00:00:00 ann17->n26 n27 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n27 n28 app:records/396 n28->n27 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_first_confirmed "2025-03-09" %% xsd:date cs:attr_last_confirmed "2024-09-22" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T16:32:32.706852 ann19->n28 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n29 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n16 plan b5->n15 b6->n10 b7->n14 b8->n13 b9->n19 b10->n3 b11->n9 b12->n18 b13->n17 b14->n11 b15->n7 b16->n12 b17->n8 b18->n20 b19->n3 b20->n23 b21->n22 b22->n28 b23->n12 b24->n26 b25->n11 b26->n10