Provenance for Decision #205

Decided on: June 17, 2025, 8:27 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:55739f90-b024-45ce-bc77-762b2aa4f45b n3 app:applications/118 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-17T08:03:20.847000+01:00 prov:endTime 2025-06-17T08:27:04.908000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n20 app:applicants/118 n3->n20 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Denis estates, Lake Tonyburgh, ML15 1QR cs:attr_annual_income 30000 cs:attr_applicant_name Donna Warner cs:attr_dob "1977-08-08" %% xsd:date cs:attr_email_address cowen@example.org cs:attr_emp_length 0 cs:attr_emp_title Veterinary surgeon cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1514960136 cs:attr_prev_address Studio 21R, Tomlinson station, South Samanthaborough, IM5R 8PE pl:created_at 2025-06-17T08:03:20.847896 ann3->n3 n4 app:decisions/205 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b17 n4->b17 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 2025-06-17T08:27:04.908359 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:6a98f6db-3cd8-4695-b591-a1614ed40d84 n6->n3 used n7 app:records/719 n6->n7 used n8 app:records/734 n6->n8 used n9 app:records/735 n6->n9 used n10 app:creditreports/205 n6->n10 used n11 app:records/721 n6->n11 used n12 app:records/732 n6->n12 used n13 app:records/733 n6->n13 used n14 app:records/722 n6->n14 used n15 app:records/730 n6->n15 used n16 app:records/720 n6->n16 used n17 app:records/731 n6->n17 used b16 n6->b16 wasAssociatedWith ann6 prov:startTime 2025-06-17T08:03:20.847000+01:00 prov:endTime 2025-06-17T08:27:04.908000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n28 app:providers/14 n8->n28 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 "2638.23" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-17T08:27:04.906878 ann7->n8 n9->n28 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "2638.23" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "46.24" %% xsd:float pl:created_at 2025-06-17T08:27:04.907466 ann8->n9 n22 app:providers/1 n10->n22 wasAttributedTo n23 uuid:80f3f8ec-8df3-4f7d-8c89-9d633f5b15a8 n10->n23 wasGeneratedBy b20 n10->b20 wasDerivedFrom b21 n10->b21 wasDerivedFrom b22 n10->b22 wasDerivedFrom b23 n10->b23 wasDerivedFrom b24 n10->b24 wasDerivedFrom b25 n10->b25 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 460 pl:created_at 2025-06-17T08:27:04.901314 ann9->n10 n13->n28 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 "2638.23" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-17T08:27:04.906041 ann10->n13 n18 app:models/creditcard_assessment n19 app:recommendations/205 n19->n5 wasAttributedTo n19->n6 wasGeneratedBy b4 n19->b4 wasDerivedFrom b5 n19->b5 wasDerivedFrom b6 n19->b6 wasDerivedFrom b7 n19->b7 wasDerivedFrom b8 n19->b8 wasDerivedFrom b9 n19->b9 wasDerivedFrom b10 n19->b10 wasDerivedFrom b11 n19->b11 wasDerivedFrom b12 n19->b12 wasDerivedFrom b13 n19->b13 wasDerivedFrom b14 n19->b14 wasDerivedFrom b15 n19->b15 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-17T08:27:04.908359 pl:reason cs:low_credit_score ann11->n19 ann12 prov:label Donna Warner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n20 n21 app:applications/118/id b18 n21->b18 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Denis estates, Lake Tonyburgh, ML15 1QR cs:attr_applicant_name Donna Warner cs:attr_dob "1977-08-08" %% xsd:date cs:attr_prev_address Studio 21R, Tomlinson station, South Samanthaborough, IM5R 8PE ann13->n21 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n22 n23->n21 used b19 n23->b19 wasAssociatedWith ann15 prov:startTime 2025-06-17T08:27:04.901000+01:00 prov:endTime 2025-06-17T08:27:04.901000+01:00 prov:type cs:SearchingCreditHistory ann15->n23 n24 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n24 n25 app:records/717 n25->n24 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Denis estates, Lake Tonyburgh, ML15 1QR cs:attr_from_date "2023-11-09" %% xsd:date pl:created_at 2025-06-09T00:00:00 ann17->n25 n26 app:providers/13 ann18 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n26 n27 app:records/718 n27->n26 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Denis estates, Lake Tonyburgh, ML15 1QR cs:attr_first_confirmed "2025-06-09" %% xsd:date cs:attr_last_confirmed "2024-10-25" %% xsd:date cs:attr_prev_address Studio 21R, Tomlinson station, South Samanthaborough, IM5R 8PE pl:created_at 2025-06-17T08:03:40.822956 ann19->n27 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n28 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n7 b5->n9 b6->n3 b7->n16 b8->n15 b9->n8 b10->n12 b11->n10 b12->n17 b13->n13 b14->n11 b15->n14 b16->n5 b16->n18 plan b17->n19 b18->n3 b19->n22 b20->n21 b21->n27 b22->n13 b23->n25 b24->n9 b25->n8