Provenance for Decision #191

Decided on: June 5, 2025, 11:04 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:1ecc835f-fd69-48ae-8c75-840b4ffbe87f n4 app:applications/112 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-06-04T18:45:29.878000+01:00 prov:endTime 2025-06-05T11:04:17.941000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/191 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 2025-06-05T11:04:17.941043 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/112 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 8 Tracy causeway, West Victoriaton, NE9M 0DA cs:attr_annual_income 47000 cs:attr_applicant_name Justin Whitehouse-Fitzgerald cs:attr_dob "1969-12-13" %% xsd:date cs:attr_email_address charris@example.com cs:attr_emp_length 11 cs:attr_emp_title Haematologist cs:attr_home_ownership 4 cs:attr_phone_number +442074960137 cs:attr_prev_address 326 Howell loop, Fordburgh, KW5A 3YQ pl:created_at 2025-06-04T18:45:29.878846 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:66f2a7b6-bf05-40fb-b3f2-47867fd228ed n6->n4 used n7 app:records/695 n6->n7 used n9 app:records/694 n6->n9 used n11 app:creditreports/191 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-06-04T18:45:29.878000+01:00 prov:endTime 2025-06-05T11:04:17.941000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/14 n7->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "609.82" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "35.12" %% xsd:float pl:created_at 2025-06-05T11:04:17.940128 ann7->n7 n8 app:models/creditcard_assessment n9->n20 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 "609.82" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-05T11:04:17.939383 ann8->n9 n10 app:recommendations/191 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 2025-06-05T11:04:17.941043 pl:reason cs:low_credit_score ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:72a112d0-6942-4fb0-b11a-8b10602fc58f n11->n15 wasGeneratedBy b12 n11->b12 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 121 pl:created_at 2025-06-05T11:04:17.932719 ann10->n11 ann11 prov:label Justin Whitehouse-Fitzgerald prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/112/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 8 Tracy causeway, West Victoriaton, NE9M 0DA cs:attr_applicant_name Justin Whitehouse-Fitzgerald cs:attr_dob "1969-12-13" %% xsd:date cs:attr_prev_address 326 Howell loop, Fordburgh, KW5A 3YQ 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 2025-06-05T11:04:17.932000+01:00 prov:endTime 2025-06-05T11:04:17.932000+01:00 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/692 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 8 Tracy causeway, West Victoriaton, NE9M 0DA cs:attr_from_date "2023-09-04" %% xsd:date pl:created_at 2025-05-06T00:00:00 ann16->n17 n18 app:providers/13 ann17 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/693 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 8 Tracy causeway, West Victoriaton, NE9M 0DA cs:attr_first_confirmed "2025-05-14" %% xsd:date cs:attr_last_confirmed "2025-02-08" %% xsd:date cs:attr_prev_address 326 Howell loop, Fordburgh, KW5A 3YQ pl:created_at 2025-06-05T11:04:17.937941 ann18->n19 ann19 prov:label A Credit Card Company 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->n4 b6->n11 b7->n9 b8->n7 b9->n10 b10->n4 b11->n14 b12->n13 b13->n19 b14->n9 b15->n7 b16->n17