Provenance for Decision #1598

Decided on: Sept. 27, 2026, 12:17 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:502fec57-324c-4125-b10b-ebf6fca186e8 n4 app:applications/593 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-09-27T12:17:29.464000+01:00 prov:endTime 2026-09-27T12:17:39.196000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/1598 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 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 2026-09-27T12:17:39.196330 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/593 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 1 Tracy fall, Lake Lukemouth, IG09 1ZZ cs:attr_annual_income 28000 cs:attr_applicant_name Annette Scott cs:attr_dob "1952-09-18" %% xsd:date cs:attr_email_address bakergeoffrey@example.net cs:attr_emp_length 42 cs:attr_emp_title Sports administrator cs:attr_home_ownership 2 cs:attr_phone_number (0117)4960388 cs:attr_prev_address Studio 34, Smith lodge, East Sara, PA9 6UW pl:created_at 2026-09-27T12:17:29.464069 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec n6->n4 used n7 app:records/5179 n6->n7 used n10 app:records/5176 n6->n10 used n11 app:records/5178 n6->n11 used n12 app:records/5177 n6->n12 used n13 app:creditreports/1598 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-09-27T12:17:29.464000+01:00 prov:endTime 2026-09-27T12:17:39.196000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 n7->n22 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1619.05" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Aug-2026 cs:attr_payment_amount "57.58" %% xsd:float pl:created_at 2026-09-27T12:17:39.195075 ann7->n7 n8 app:recommendations/1598 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom b9 n8->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-09-27T12:17:39.196330 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n10->n22 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 "1619.05" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "76.02" %% xsd:float pl:created_at 2026-09-27T12:17:39.192463 ann9->n10 n11->n22 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 "1619.05" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "45.48" %% xsd:float pl:created_at 2026-09-27T12:17:39.194223 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 "1619.05" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "93.78" %% xsd:float pl:created_at 2026-09-27T12:17:39.193444 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:05700d29-4fcf-4002-b926-55346bfeeb79 n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 86 pl:created_at 2026-09-27T12:17:39.183647 ann12->n13 ann13 prov:label Annette Scott prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/593/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 1 Tracy fall, Lake Lukemouth, IG09 1ZZ cs:attr_applicant_name Annette Scott cs:attr_dob "1952-09-18" %% xsd:date cs:attr_prev_address Studio 34, Smith lodge, East Sara, PA9 6UW 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 2026-09-27T12:17:39.183000+01:00 prov:endTime 2026-09-27T12:17:39.183000+01:00 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/5174 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 1 Tracy fall, Lake Lukemouth, IG09 1ZZ cs:attr_from_date "2026-03-18" %% xsd:date pl:created_at 2026-09-09T00:00:00 ann18->n19 n20 app:providers/7 ann19 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/5175 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 1 Tracy fall, Lake Lukemouth, IG09 1ZZ cs:attr_first_confirmed "2026-09-16" %% xsd:date cs:attr_last_confirmed "2025-10-21" %% xsd:date cs:attr_prev_address Studio 34, Smith lodge, East Sara, PA9 6UW pl:created_at 2026-09-27T12:17:39.190732 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n7 b5->n12 b6->n10 b7->n13 b8->n4 b9->n11 b10->n5 b10->n9 plan b11->n8 b12->n4 b13->n15 b14->n16 b15->n12 b16->n11 b17->n7 b18->n21 b19->n10 b20->n19