Provenance for Decision #160

Decided on: May 15, 2025, 5:55 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:dea2040d-38ab-4f61-ba01-f763d9fe9473 n3 app:applications/102 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-05-14T18:42:16.399000+01:00 prov:endTime 2025-05-15T05:55:39.033000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/102 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 7, Smith trail, North Hollytown, NN8 9PA cs:attr_annual_income 92000 cs:attr_applicant_name Marilyn Brown cs:attr_dob "1978-01-04" %% xsd:date cs:attr_email_address dean39@example.com cs:attr_emp_length 19 cs:attr_emp_title Copy cs:attr_home_ownership 2 cs:attr_phone_number 02074960909 cs:attr_prev_address 9 Richards lodge, West Caroline, W5 7PG pl:created_at 2025-05-14T18:42:16.399687 ann3->n3 n4 app:decisions/160 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b10 n4->b10 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 2025-05-15T05:55:39.033383 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:3817ea20-aa00-4433-84aa-83639c4c8bfc n6->n3 used n8 app:records/598 n6->n8 used n9 app:creditreports/160 n6->n9 used n10 app:records/596 n6->n10 used n12 app:records/597 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-05-14T18:42:16.399000+01:00 prov:endTime 2025-05-15T05:55:39.033000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/160 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-05-15T05:55:39.033383 pl:reason cs:low_credit_score ann7->n7 n21 app:providers/14 n8->n21 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 "1877.64" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "186.18" %% xsd:float pl:created_at 2025-05-15T05:55:39.032494 ann8->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:cedfafcf-91f8-46b5-8e63-4dcb16db0873 n9->n16 wasGeneratedBy b12 n9->b12 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 608 pl:created_at 2025-05-15T05:55:39.024372 ann9->n9 n10->n21 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 "1877.64" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "8.46" %% xsd:float pl:created_at 2025-05-15T05:55:39.031103 ann10->n10 n11 app:models/creditcard_assessment n12->n21 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 "1877.64" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "93.95" %% xsd:float pl:created_at 2025-05-15T05:55:39.031818 ann11->n12 ann12 prov:label Marilyn Brown prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/102/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 7, Smith trail, North Hollytown, NN8 9PA cs:attr_applicant_name Marilyn Brown cs:attr_dob "1978-01-04" %% xsd:date cs:attr_prev_address 9 Richards lodge, West Caroline, W5 7PG ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-05-15T05:55:39.024000+01:00 prov:endTime 2025-05-15T05:55:39.024000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/594 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 7, Smith trail, North Hollytown, NN8 9PA cs:attr_from_date "2025-01-08" %% xsd:date pl:created_at 2025-04-18T00:00:00 ann17->n18 n19 app:providers/9 ann18 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/595 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 7, Smith trail, North Hollytown, NN8 9PA cs:attr_first_confirmed "2025-05-02" %% xsd:date cs:attr_last_confirmed "2024-12-25" %% xsd:date cs:attr_prev_address 9 Richards lodge, West Caroline, W5 7PG pl:created_at 2025-05-15T05:55:39.029646 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n10 b5->n3 b6->n9 b7->n12 b8->n8 b9->n5 b9->n11 plan b10->n7 b11->n3 b12->n14 b13->n15 b14->n18 b15->n10 b16->n20 b17->n8 b18->n12