Provenance for Decision #1592

Decided on: Sept. 26, 2026, 2:10 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:476f485a-25c3-48db-ad00-a1f5a593a87b n4 app:applications/592 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-09-25T11:16:33.517000+01:00 prov:endTime 2026-09-26T02:10:34.267000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1592 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b15 n3->b15 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 2026-09-26T02:10:34.267244 pl:reason cs:low_credit_score ann3->n3 n18 app:applicants/592 n4->n18 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 0 Lawrence village, East Abbie, W0 7HT cs:attr_annual_income 51000 cs:attr_applicant_name Louise Jones cs:attr_dob "1954-04-24" %% xsd:date cs:attr_email_address mcdonaldhugh@example.com cs:attr_emp_length 13 cs:attr_emp_title Therapist, drama cs:attr_home_ownership 2 cs:attr_phone_number +44(0)20 74960997 cs:attr_prev_address 4 Kathryn run, Port Shirley, N94 3XA pl:created_at 2026-09-25T11:16:33.517820 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:62319da0-8c10-493a-9fc0-54de801c393e n6->n4 used n7 app:records/5158 n6->n7 used n8 app:creditreports/1592 n6->n8 used n9 app:records/5157 n6->n9 used n10 app:records/5159 n6->n10 used n12 app:records/5156 n6->n12 used n13 app:records/5155 n6->n13 used n14 app:records/5161 n6->n14 used n16 app:records/5160 n6->n16 used n17 app:records/5162 n6->n17 used b14 n6->b14 wasAssociatedWith ann6 prov:startTime 2026-09-25T11:16:33.517000+01:00 prov:endTime 2026-09-26T02:10:34.267000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/1 n8->n20 wasAttributedTo n21 uuid:a26b9800-8947-4b50-b166-e9eb43ef5169 n8->n21 wasGeneratedBy b17 n8->b17 wasDerivedFrom b19 n8->b19 wasDerivedFrom b20 n8->b20 wasDerivedFrom b21 n8->b21 wasDerivedFrom b22 n8->b22 wasDerivedFrom b23 n8->b23 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 449 pl:created_at 2026-09-26T02:10:34.259942 ann7->n8 n11 app:models/creditcard_assessment n26 app:providers/15 n14->n26 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 "1009.32" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "3.87" %% xsd:float pl:created_at 2026-09-26T02:10:34.265598 ann8->n14 n15 app:recommendations/1592 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 ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-26T02:10:34.267244 pl:reason cs:low_credit_score ann9->n15 n16->n26 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1009.32" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Aug-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-09-26T02:10:34.264727 ann10->n16 n17->n26 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 "1009.32" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "82.04" %% xsd:float pl:created_at 2026-09-26T02:10:34.266245 ann11->n17 ann12 prov:label Louise Jones prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n18 n19 app:applications/592/id b16 n19->b16 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 0 Lawrence village, East Abbie, W0 7HT cs:attr_applicant_name Louise Jones cs:attr_dob "1954-04-24" %% xsd:date cs:attr_prev_address 4 Kathryn run, Port Shirley, N94 3XA ann13->n19 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n20 n21->n19 used b18 n21->b18 wasAssociatedWith ann15 prov:startTime 2026-09-26T02:10:34.259000+01:00 prov:endTime 2026-09-26T02:10:34.259000+01:00 prov:type cs:SearchingCreditHistory ann15->n21 n22 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n22 n23 app:records/5153 n23->n22 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Lawrence village, East Abbie, W0 7HT cs:attr_from_date "2024-04-13" %% xsd:date pl:created_at 2026-09-21T00:00:00 ann17->n23 n24 app:providers/9 ann18 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n24 n25 app:records/5154 n25->n24 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Lawrence village, East Abbie, W0 7HT cs:attr_first_confirmed "2026-09-21" %% xsd:date cs:attr_last_confirmed "2026-01-16" %% xsd:date cs:attr_prev_address 4 Kathryn run, Port Shirley, N94 3XA pl:created_at 2026-09-26T02:10:03.373596 ann19->n25 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n26 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n7 b5->n9 b6->n14 b7->n10 b8->n13 b9->n12 b10->n17 b11->n8 b12->n4 b13->n16 b14->n5 b14->n11 plan b15->n15 b16->n4 b17->n19 b18->n20 b19->n14 b20->n25 b21->n17 b22->n23 b23->n16