Provenance for Decision #174

Decided on: Jan. 11, 2022, 8:25 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:7759a6ee-5a4e-457b-8b71-a9e5a8a2bf92 n4 app:applications/131 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2022-01-11T03:53:11.324000+00:00 prov:endTime 2022-01-11T08:25:07.989000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/174 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b9 n3->b9 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 2022-01-11T08:25:07.989788 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/131 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 3 Watson forge, Naomiland, RG4Y 6LT cs:attr_annual_income 56000 cs:attr_applicant_name Rachael Goodwin cs:attr_dob "1965-08-18" %% xsd:date cs:attr_email_address gordonjosh@yahoo.com cs:attr_emp_length 30 cs:attr_emp_title Environmental education officer cs:attr_home_ownership 2 cs:attr_phone_number +44(0)1214960954 cs:attr_prev_address Flat 7, Tom estate, Eleanorburgh, BA1R 6BU pl:created_at 2022-01-11T03:53:11.324358 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:1e2d3a3e-bef4-440c-9137-9f88f4c573fa n6->n4 used n7 app:records/698 n6->n7 used n9 app:creditreports/174 n6->n9 used n11 app:records/699 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2022-01-11T03:53:11.324000+00:00 prov:endTime 2022-01-11T08:25:07.989000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/15 n7->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "305.76" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Oct-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-01-11T08:25:07.985266 ann7->n7 n8 app:models/creditcard_assessment n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:10bdee4d-d6f7-4388-8c7a-6a893e96daf4 n9->n15 wasGeneratedBy b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 693 pl:created_at 2022-01-11T08:25:07.969454 ann8->n9 n10 app:recommendations/174 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-01-11T08:25:07.989788 pl:reason cs:low_credit_score ann9->n10 n11->n20 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 "305.76" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Jul-2021 cs:attr_payment_amount "3.3" %% xsd:float pl:created_at 2022-01-11T08:25:07.987152 ann10->n11 ann11 prov:label Rachael Goodwin prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/131/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 3 Watson forge, Naomiland, RG4Y 6LT cs:attr_applicant_name Rachael Goodwin cs:attr_dob "1965-08-18" %% xsd:date cs:attr_prev_address Flat 7, Tom estate, Eleanorburgh, BA1R 6BU ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2022-01-11T08:25:07.969000+00:00 prov:endTime 2022-01-11T08:25:07.969000+00:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/696 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 3 Watson forge, Naomiland, RG4Y 6LT cs:attr_from_date "2020-03-29" %% xsd:date pl:created_at 2021-12-13T00:00:00 ann16->n17 n18 app:providers/13 ann17 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/697 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 3 Watson forge, Naomiland, RG4Y 6LT cs:attr_first_confirmed "2021-12-23" %% xsd:date cs:attr_last_confirmed "2021-03-25" %% xsd:date cs:attr_prev_address Flat 7, Tom estate, Eleanorburgh, BA1R 6BU pl:created_at 2022-01-11T08:25:07.981445 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n7 b6->n4 b7->n11 b8->n9 b9->n10 b10->n4 b11->n14 b12->n13 b13->n7 b14->n19 b15->n17 b16->n11