Provenance for Decision #1585

Decided on: Sept. 25, 2026, 12:43 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:c7872151-b12a-4f17-89b5-b2169d31e24c n3 app:applications/591 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-09-24T19:52:02.949000+01:00 prov:endTime 2026-09-25T12:43:45.749000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n18 app:applicants/591 n3->n18 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 431 Gray cliff, Port Joyce, W29 9HF cs:attr_annual_income 16000 cs:attr_applicant_name Leah Lloyd cs:attr_dob "1983-08-01" %% xsd:date cs:attr_email_address denise82@example.com cs:attr_emp_length 9 cs:attr_emp_title Television floor manager cs:attr_home_ownership 3 cs:attr_phone_number (0121) 4960067 cs:attr_prev_address Flat 9, Trevor plain, West Carly, G4K 7FH pl:created_at 2026-09-24T19:52:02.949860 ann3->n3 n4 app:decisions/1585 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b15 n4->b15 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 2026-09-25T12:43:45.749278 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:286c231b-a6eb-4d7c-915f-c5ccf795a51b n6->n3 used n7 app:records/5136 n6->n7 used n8 app:records/5135 n6->n8 used n9 app:records/5138 n6->n9 used n10 app:records/5137 n6->n10 used n12 app:records/5134 n6->n12 used n13 app:records/5133 n6->n13 used n14 app:records/5140 n6->n14 used n16 app:records/5139 n6->n16 used n17 app:creditreports/1585 n6->n17 used b14 n6->b14 wasAssociatedWith ann6 prov:startTime 2026-09-24T19:52:02.949000+01:00 prov:endTime 2026-09-25T12:43:45.749000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n26 app:providers/14 n9->n26 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 "556.56" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Jul-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-25T12:43:45.746540 ann7->n9 n10->n26 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 "556.56" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-25T12:43:45.745459 ann8->n10 n11 app:models/creditcard_assessment n14->n26 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 "556.56" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "26.32" %% xsd:float pl:created_at 2026-09-25T12:43:45.748214 ann9->n14 n15 app:recommendations/1585 n15->n5 wasAttributedTo n15->n6 wasGeneratedBy b4 n15->b4 wasDerivedFrom b5 n15->b5 wasDerivedFrom b6 n15->b6 wasDerivedFrom b7 n15->b7 wasDerivedFrom b8 n15->b8 wasDerivedFrom b9 n15->b9 wasDerivedFrom b10 n15->b10 wasDerivedFrom b11 n15->b11 wasDerivedFrom b12 n15->b12 wasDerivedFrom b13 n15->b13 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-25T12:43:45.749278 pl:reason cs:low_credit_score ann10->n15 n16->n26 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 "556.56" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-25T12:43:45.747422 ann11->n16 n20 app:providers/1 n17->n20 wasAttributedTo n21 uuid:c98af929-c319-457d-969e-9f6a4838268e n17->n21 wasGeneratedBy b17 n17->b17 wasDerivedFrom b19 n17->b19 wasDerivedFrom b20 n17->b20 wasDerivedFrom b21 n17->b21 wasDerivedFrom b22 n17->b22 wasDerivedFrom b23 n17->b23 wasDerivedFrom b24 n17->b24 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 172 pl:created_at 2026-09-25T12:43:45.739691 ann12->n17 ann13 prov:label Leah Lloyd prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n18 n19 app:applications/591/id b16 n19->b16 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 431 Gray cliff, Port Joyce, W29 9HF cs:attr_applicant_name Leah Lloyd cs:attr_dob "1983-08-01" %% xsd:date cs:attr_prev_address Flat 9, Trevor plain, West Carly, G4K 7FH ann14->n19 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n20 n21->n19 used b18 n21->b18 wasAssociatedWith ann16 prov:startTime 2026-09-25T12:43:45.739000+01:00 prov:endTime 2026-09-25T12:43:45.739000+01:00 prov:type cs:SearchingCreditHistory ann16->n21 n22 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n22 n23 app:records/5131 n23->n22 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 431 Gray cliff, Port Joyce, W29 9HF cs:attr_from_date "2026-07-21" %% xsd:date pl:created_at 2026-08-28T00:00:00 ann18->n23 n24 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n24 n25 app:records/5132 n25->n24 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 431 Gray cliff, Port Joyce, W29 9HF cs:attr_first_confirmed "2026-09-10" %% xsd:date cs:attr_last_confirmed "2026-07-02" %% xsd:date cs:attr_prev_address Flat 9, Trevor plain, West Carly, G4K 7FH pl:created_at 2026-09-25T12:43:30.089506 ann20->n25 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n26 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n10 b6->n3 b7->n17 b8->n12 b9->n16 b10->n13 b11->n7 b12->n14 b13->n9 b14->n5 b14->n11 plan b15->n15 b16->n3 b17->n19 b18->n20 b19->n9 b20->n16 b21->n25 b22->n10 b23->n23 b24->n14