Provenance for Decision #1715

Decided on: Oct. 17, 2026, 4:21 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:862848e5-779c-4725-b0c9-72c9c95d793d n3 app:applications/612 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-10-15T19:09:34.216000+01:00 prov:endTime 2026-10-17T04:21:38.241000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/612 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 2 Fiona land, East Alexborough, KY5V 5SX cs:attr_annual_income 25000 cs:attr_applicant_name Donna Fleming cs:attr_dob "2000-01-13" %% xsd:date cs:attr_email_address davislucy@example.org cs:attr_emp_length 2 cs:attr_emp_title Claims inspector/assessor cs:attr_home_ownership 2 cs:attr_phone_number 01154960148 cs:attr_prev_address 9 Hancock alley, Ashleighstad, M8E 2ZD pl:created_at 2026-10-15T19:09:34.216082 ann3->n3 n4 app:decisions/1715 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b11 n4->b11 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 2026-10-17T04:21:38.241860 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:116403bb-70ec-464f-8898-18c28ad52a3b n6->n3 used n7 app:creditreports/1715 n6->n7 used n9 app:records/5518 n6->n9 used n10 app:records/5517 n6->n10 used n12 app:records/5519 n6->n12 used n13 app:records/5516 n6->n13 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-10-15T19:09:34.216000+01:00 prov:endTime 2026-10-17T04:21:38.241000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n16 app:providers/1 n7->n16 wasAttributedTo n17 uuid:c2720365-7b08-4ae3-ac10-e42449288a66 n7->n17 wasGeneratedBy b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 192 pl:created_at 2026-10-17T04:21:38.231416 ann7->n7 n8 app:models/creditcard_assessment n22 app:providers/15 n9->n22 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 "1841.49" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jun-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-10-17T04:21:38.238684 ann8->n9 n11 app:recommendations/1715 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom b10 n11->b10 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-10-17T04:21:38.241860 pl:reason cs:low_credit_score ann9->n11 n12->n22 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 "1841.49" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-10-17T04:21:38.240172 ann10->n12 ann11 prov:label Donna Fleming prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n14 n15 app:applications/612/id b12 n15->b12 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 2 Fiona land, East Alexborough, KY5V 5SX cs:attr_applicant_name Donna Fleming cs:attr_dob "2000-01-13" %% xsd:date cs:attr_prev_address 9 Hancock alley, Ashleighstad, M8E 2ZD ann12->n15 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann14 prov:startTime 2026-10-17T04:21:38.231000+01:00 prov:endTime 2026-10-17T04:21:38.231000+01:00 prov:type cs:SearchingCreditHistory ann14->n17 n18 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n18 n19 app:records/5514 n19->n18 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Fiona land, East Alexborough, KY5V 5SX cs:attr_from_date "2026-01-09" %% xsd:date pl:created_at 2026-09-26T00:00:00 ann16->n19 n20 app:providers/7 ann17 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n20 n21 app:records/5515 n21->n20 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Fiona land, East Alexborough, KY5V 5SX cs:attr_first_confirmed "2026-10-13" %% xsd:date cs:attr_last_confirmed "2026-06-11" %% xsd:date cs:attr_prev_address 9 Hancock alley, Ashleighstad, M8E 2ZD pl:created_at 2026-10-17T04:21:21.794899 ann18->n21 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n13 b6->n9 b7->n3 b8->n12 b9->n10 b10->n7 b11->n11 b12->n3 b13->n16 b14->n15 b15->n21 b16->n9 b17->n12 b18->n19