Provenance for Decision #193

Decided on: June 5, 2025, 2:26 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:9282d76b-de85-4c44-ba1b-e8d7e9918966 n3 app:applications/114 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-05T14:23:39.207000+01:00 prov:endTime 2025-06-05T14:26:00.322000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/114 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 12T, Cole tunnel, Akhtarview, G4U 0DT cs:attr_annual_income 44000 cs:attr_applicant_name Linda Carter-Kelly cs:attr_dob "1997-07-20" %% xsd:date cs:attr_email_address suzanneclark@example.net cs:attr_emp_length 1 cs:attr_emp_title Seismic interpreter cs:attr_home_ownership 2 cs:attr_phone_number +44114 496 0891 cs:attr_prev_address Flat 05y, Abigail bridge, New Bruce, WF1P 4FY pl:created_at 2025-06-05T14:23:39.207140 ann3->n3 n4 app:decisions/193 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b9 n4->b9 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 2025-06-05T14:26:00.322465 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:0e579492-8c13-4703-9772-c81d6d6d6bd3 n6->n3 used n8 app:creditreports/193 n6->n8 used n10 app:records/701 n6->n10 used n11 app:records/702 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-06-05T14:23:39.207000+01:00 prov:endTime 2025-06-05T14:26:00.322000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/193 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-05T14:26:00.322465 pl:reason cs:low_credit_score ann7->n7 n14 app:providers/1 n8->n14 wasAttributedTo n15 uuid:b2d3c8d6-12f1-4ba7-90da-2589c5fbb6ec n8->n15 wasGeneratedBy b11 n8->b11 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 474 pl:created_at 2025-06-05T14:26:00.314173 ann8->n8 n9 app:models/creditcard_assessment n20 app:providers/14 n10->n20 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "386.47" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "17.27" %% xsd:float pl:created_at 2025-06-05T14:26:00.320814 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 "386.47" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "23.16" %% xsd:float pl:created_at 2025-06-05T14:26:00.321544 ann10->n11 ann11 prov:label Linda Carter-Kelly prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/114/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 12T, Cole tunnel, Akhtarview, G4U 0DT cs:attr_applicant_name Linda Carter-Kelly cs:attr_dob "1997-07-20" %% xsd:date cs:attr_prev_address Flat 05y, Abigail bridge, New Bruce, WF1P 4FY ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2025-06-05T14:26:00.314000+01:00 prov:endTime 2025-06-05T14:26:00.314000+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/699 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 12T, Cole tunnel, Akhtarview, G4U 0DT cs:attr_from_date "2023-01-17" %% xsd:date pl:created_at 2025-05-23T00:00:00 ann16->n17 n18 app:providers/7 ann17 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/700 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 12T, Cole tunnel, Akhtarview, G4U 0DT cs:attr_first_confirmed "2025-05-13" %% xsd:date cs:attr_last_confirmed "2024-08-23" %% xsd:date cs:attr_prev_address Flat 05y, Abigail bridge, New Bruce, WF1P 4FY pl:created_at 2025-06-05T14:26:00.319339 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n10 b6->n3 b7->n11 b8->n5 b8->n9 plan b9->n7 b10->n3 b11->n13 b12->n14 b13->n19 b14->n10 b15->n11 b16->n17