Provenance for Decision #1786

Decided on: June 9, 2024, 10:28 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:76f1b00e-59f6-4959-9790-c43e55277a09 n3 app:applications/489 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2024-06-08T23:22:05.666000+01:00 prov:endTime 2024-06-09T10:28:33.714000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/489 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 771 Mohammad course, East Margaret, EX31 1XS cs:attr_annual_income 112000 cs:attr_applicant_name Roger Kaur cs:attr_dob "1982-02-14" %% xsd:date cs:attr_email_address stewartnicole@example.com cs:attr_emp_length 23 cs:attr_emp_title Education officer, community cs:attr_home_ownership 3 cs:attr_phone_number +44(0)9098790996 cs:attr_prev_address Studio 3, Kim views, South Anneton, E3W 6ST pl:created_at 2024-06-08T23:22:05.666958 ann3->n3 n4 app:decisions/1786 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2024-06-09T10:28:33.714586 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:20d91e15-82f4-49b3-8fd7-f0d03e13c304 n6->n3 used n9 app:creditreports/1787 n6->n9 used n10 app:records/5391 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2024-06-08T23:22:05.666000+01:00 prov:endTime 2024-06-09T10:28:33.714000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/1786 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-06-09T10:28:33.714586 pl:reason cs:low_credit_score ann7->n8 n13 app:providers/1 n9->n13 wasAttributedTo n14 uuid:dbac2013-5dfe-4590-9b8d-6db372481b9e n9->n14 wasGeneratedBy b10 n9->b10 wasDerivedFrom b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 103 pl:created_at 2024-06-09T10:28:33.697838 ann8->n9 n15 app:providers/15 n10->n15 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1232.72" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Dec-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-06-09T10:28:33.712084 ann9->n10 ann10 prov:label Roger Kaur prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/489/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 771 Mohammad course, East Margaret, EX31 1XS cs:attr_applicant_name Roger Kaur cs:attr_dob "1982-02-14" %% xsd:date cs:attr_prev_address Studio 3, Kim views, South Anneton, E3W 6ST ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2024-06-09T10:28:33.697000+01:00 prov:endTime 2024-06-09T10:28:33.697000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 ann14 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann14->n15 n16 app:providers/12 ann15 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann15->n16 n17 app:records/5390 n17->n16 wasAttributedTo ann16 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 771 Mohammad course, East Margaret, EX31 1XS cs:attr_first_confirmed "2024-05-23" %% xsd:date cs:attr_last_confirmed "2023-11-12" %% xsd:date cs:attr_prev_address Studio 3, Kim views, South Anneton, E3W 6ST pl:created_at 2024-06-09T10:28:33.708732 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/5389 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 771 Mohammad course, East Margaret, EX31 1XS cs:attr_from_date "2023-12-17" %% xsd:date pl:created_at 2024-06-03T00:00:00 ann18->n19 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n9 b5->n10 b6->n3 b7->n5 b7->n7 plan b8->n8 b9->n3 b10->n12 b11->n13 b12->n17 b13->n19 b14->n10