Provenance for Decision #207

Decided on: June 19, 2025, 7:19 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:164c93c2-e7a9-4c6f-ab3d-7f06c565bc1a n4 app:applications/119 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-18T18:36:51.199000+01:00 prov:endTime 2025-06-19T19:19:06.357000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/207 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 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 2025-06-19T19:19:06.357411 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/119 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 80 Jane mountain, West Gerardland, N8E 5GW cs:attr_annual_income 42000 cs:attr_applicant_name Dylan Dyer cs:attr_dob "1971-07-19" %% xsd:date cs:attr_email_address debra10@example.net cs:attr_emp_length 12 cs:attr_emp_title Legal executive cs:attr_home_ownership 3 cs:attr_phone_number +44(0)117 496 0891 cs:attr_prev_address Studio 81, Hewitt hill, Carlborough, S2F 6AB pl:created_at 2025-06-18T18:36:51.199796 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:797b35c7-40a4-444f-a1ef-a154c0fa40a7 n6->n4 used n7 app:records/741 n6->n7 used n8 app:records/742 n6->n8 used n10 app:records/740 n6->n10 used n12 app:records/739 n6->n12 used n13 app:creditreports/207 n6->n13 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-06-18T18:36:51.199000+01:00 prov:endTime 2025-06-19T19:19:06.357000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 n7->n22 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 "0.78" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.05" %% xsd:float pl:created_at 2025-06-19T19:19:06.355986 ann7->n7 n8->n22 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 "0.78" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-19T19:19:06.356532 ann8->n8 n9 app:models/creditcard_assessment n10->n22 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 "0.78" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-19T19:19:06.355397 ann9->n10 n11 app:recommendations/207 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom b10 n11->b10 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-19T19:19:06.357411 pl:reason cs:low_credit_score ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "0.78" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "0.01" %% xsd:float pl:created_at 2025-06-19T19:19:06.354617 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:ccb04f25-9bb4-44f9-8994-a51e01881292 n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 256 pl:created_at 2025-06-19T19:19:06.347995 ann12->n13 ann13 prov:label Dylan Dyer prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/119/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 80 Jane mountain, West Gerardland, N8E 5GW cs:attr_applicant_name Dylan Dyer cs:attr_dob "1971-07-19" %% xsd:date cs:attr_prev_address Studio 81, Hewitt hill, Carlborough, S2F 6AB ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2025-06-19T19:19:06.347000+01:00 prov:endTime 2025-06-19T19:19:06.347000+01:00 prov:type cs:SearchingCreditHistory 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/737 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 80 Jane mountain, West Gerardland, N8E 5GW cs:attr_from_date "2022-07-10" %% xsd:date pl:created_at 2025-06-13T00:00:00 ann18->n19 n20 app:providers/5 ann19 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/738 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 80 Jane mountain, West Gerardland, N8E 5GW cs:attr_first_confirmed "2025-06-09" %% xsd:date cs:attr_last_confirmed "2025-04-21" %% xsd:date cs:attr_prev_address Studio 81, Hewitt hill, Carlborough, S2F 6AB pl:created_at 2025-06-19T19:19:06.353225 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n13 b6->n8 b7->n12 b8->n10 b9->n4 b10->n7 b11->n11 b12->n4 b13->n15 b14->n16 b15->n21 b16->n19 b17->n12 b18->n10 b19->n7 b20->n8