Provenance for Decision #1691

Decided on: Oct. 13, 2026, 10:02 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:3976f192-0afd-4713-aea0-8edb8e16347f n3 app:applications/610 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-10-13T22:01:46.668000+01:00 prov:endTime 2026-10-13T22:02:10.221000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/610 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 97 Bentley inlet, South Gail, B6A 4FF cs:attr_annual_income 91000 cs:attr_applicant_name Harriet Simpson cs:attr_dob "1990-10-12" %% xsd:date cs:attr_email_address gavin66@example.net cs:attr_emp_length 3 cs:attr_emp_title Administrator, education cs:attr_home_ownership 2 cs:attr_phone_number +44(0)161 496 0775 cs:attr_prev_address 2 Williams green, Port Beverleystad, L1D 8QD pl:created_at 2026-10-13T22:01:46.668077 ann3->n3 n4 app:decisions/1691 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b8 n4->b8 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 2026-10-13T22:02:10.221592 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:d08e2a7f-f99f-45b8-b128-7ee003fbab5c n6->n3 used n7 app:creditreports/1691 n6->n7 used n9 app:records/5451 n6->n9 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-10-13T22:01:46.668000+01:00 prov:endTime 2026-10-13T22:02:10.221000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n13 app:providers/1 n7->n13 wasAttributedTo n14 uuid:7d046df9-9416-4a4f-98e0-6b28c6fd0e60 n7->n14 wasGeneratedBy b11 n7->b11 wasDerivedFrom b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 520 pl:created_at 2026-10-13T22:02:10.211015 ann7->n7 n8 app:models/creditcard_assessment n19 app:providers/15 n9->n19 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 "573.48" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-10-13T22:02:10.219854 ann8->n9 n10 app:recommendations/1691 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-10-13T22:02:10.221592 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Harriet Simpson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/610/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 97 Bentley inlet, South Gail, B6A 4FF cs:attr_applicant_name Harriet Simpson cs:attr_dob "1990-10-12" %% xsd:date cs:attr_prev_address 2 Williams green, Port Beverleystad, L1D 8QD ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b10 n14->b10 wasAssociatedWith ann13 prov:startTime 2026-10-13T22:02:10.211000+01:00 prov:endTime 2026-10-13T22:02:10.211000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/5449 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 97 Bentley inlet, South Gail, B6A 4FF cs:attr_from_date "2025-01-22" %% xsd:date pl:created_at 2026-09-24T00:00:00 ann15->n16 n17 app:providers/13 ann16 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/5450 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 97 Bentley inlet, South Gail, B6A 4FF cs:attr_first_confirmed "2026-10-03" %% xsd:date cs:attr_last_confirmed "2026-04-14" %% xsd:date cs:attr_prev_address 2 Williams green, Port Beverleystad, L1D 8QD pl:created_at 2026-10-13T22:02:10.217288 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n9 b6->n7 b7->n5 b7->n8 plan b8->n10 b9->n3 b10->n13 b11->n12 b12->n18 b13->n9 b14->n16