Provenance for Decision #152

Decided on: Dec. 4, 2021, 2:23 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:acbe7a49-d541-4dab-a98f-d0cd7c7b6401 n4 app:applications/123 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2021-12-03T06:46:33.099000+00:00 prov:endTime 2021-12-04T14:23:26.208000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/152 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 wasDerivedFrom ann3 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2021-12-04T14:23:26.208088 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/123 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 048 Zoe hollow, North Charlottehaven, GL0 9UN cs:attr_annual_income 25000 cs:attr_applicant_name Gail James cs:attr_dob "1954-02-22" %% xsd:date cs:attr_email_address bondstephanie@jackson-farmer.com cs:attr_emp_length 0 cs:attr_emp_title Hydrogeologist cs:attr_home_ownership 2 cs:attr_phone_number +44141 4960101 cs:attr_prev_address Flat 26, Linda points, Albertbury, PA42 1NW pl:created_at 2021-12-03T06:46:33.099151 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:9599fdc0-e58a-4deb-8dc1-9e19b144ceea n6->n4 used n7 app:records/631 n6->n7 used n8 app:records/632 n6->n8 used n10 app:creditreports/152 n6->n10 used n12 app:records/633 n6->n12 used n13 app:records/634 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2021-12-03T06:46:33.099000+00:00 prov:endTime 2021-12-04T14:23:26.208000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/14 n7->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 "1553.35" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Sep-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-12-04T14:23:26.200354 ann7->n7 n8->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1553.35" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jul-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-12-04T14:23:26.202211 ann8->n8 n9 app:models/creditcard_assessment n16 app:providers/1 n10->n16 wasAttributedTo n17 uuid:e45a507b-c829-4689-88a1-0037c911e697 n10->n17 wasGeneratedBy b13 n10->b13 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom b19 n10->b19 wasDerivedFrom b20 n10->b20 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 540 pl:created_at 2021-12-04T14:23:26.184029 ann9->n10 n11 app:recommendations/152 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2021-12-04T14:23:26.208088 pl:reason cs:low_credit_score ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1553.35" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Aug-2021 cs:attr_payment_amount "98.41" %% xsd:float pl:created_at 2021-12-04T14:23:26.203793 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 "1553.35" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Mar-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-12-04T14:23:26.205357 ann12->n13 ann13 prov:label Gail James prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/123/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 048 Zoe hollow, North Charlottehaven, GL0 9UN cs:attr_applicant_name Gail James cs:attr_dob "1954-02-22" %% xsd:date cs:attr_prev_address Flat 26, Linda points, Albertbury, PA42 1NW 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 2021-12-04T14:23:26.184000+00:00 prov:endTime 2021-12-04T14:23:26.184000+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/629 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 048 Zoe hollow, North Charlottehaven, GL0 9UN cs:attr_from_date "2019-07-16" %% xsd:date pl:created_at 2021-12-01T00:00:00 ann18->n19 n20 app:providers/9 ann19 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/630 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 048 Zoe hollow, North Charlottehaven, GL0 9UN cs:attr_first_confirmed "2021-12-01" %% xsd:date cs:attr_last_confirmed "2021-01-08" %% xsd:date cs:attr_prev_address Flat 26, Linda points, Albertbury, PA42 1NW pl:created_at 2021-12-04T14:23:26.196622 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n7 b6->n13 b7->n12 b8->n4 b9->n10 b10->n5 b10->n9 plan b11->n11 b12->n4 b13->n15 b14->n16 b15->n21 b16->n19 b17->n12 b18->n13 b19->n7 b20->n8