Provenance for Decision #218

Decided on: June 26, 2025, 6:55 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:b3e76583-d844-4f69-b2c2-d9d4a1d5af2c n3 app:applications/126 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-26T05:15:35.244000+01:00 prov:endTime 2025-06-26T06:55:02.176000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/126 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 89 Mohammad glens, McDonaldtown, E1 7RS cs:attr_annual_income 122000 cs:attr_applicant_name Wendy Fisher cs:attr_dob "1979-02-05" %% xsd:date cs:attr_email_address moorecarolyn@example.net cs:attr_emp_length 22 cs:attr_emp_title Scientific laboratory technician cs:attr_home_ownership 3 cs:attr_phone_number +44(0)131 4960968 cs:attr_prev_address 626 Perry row, Hillside, GU7H 3PT pl:created_at 2025-06-26T05:15:35.244722 ann3->n3 n4 app:decisions/218 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2025-06-26T06:55:02.176005 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:a36dccdc-dc72-4c9c-aed9-5c3b52577191 n6->n3 used n7 app:records/783 n6->n7 used n9 app:records/781 n6->n9 used n10 app:records/782 n6->n10 used n12 app:creditreports/218 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-06-26T05:15:35.244000+01:00 prov:endTime 2025-06-26T06:55:02.176000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/15 n7->n21 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 "512.75" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "4.27" %% xsd:float pl:created_at 2025-06-26T06:55:02.175105 ann7->n7 n8 app:models/creditcard_assessment n9->n21 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 "512.75" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "40.95" %% xsd:float pl:created_at 2025-06-26T06:55:02.173824 ann8->n9 n10->n21 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 "512.75" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "23.76" %% xsd:float pl:created_at 2025-06-26T06:55:02.174531 ann9->n10 n11 app:recommendations/218 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-26T06:55:02.176005 pl:reason cs:low_credit_score ann10->n11 n15 app:providers/1 n12->n15 wasAttributedTo n16 uuid:26543f81-3353-4b13-84c6-a7a466da0a1c n12->n16 wasGeneratedBy b13 n12->b13 wasDerivedFrom b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 97 pl:created_at 2025-06-26T06:55:02.167215 ann11->n12 ann12 prov:label Wendy Fisher prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/126/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 89 Mohammad glens, McDonaldtown, E1 7RS cs:attr_applicant_name Wendy Fisher cs:attr_dob "1979-02-05" %% xsd:date cs:attr_prev_address 626 Perry row, Hillside, GU7H 3PT ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2025-06-26T06:55:02.167000+01:00 prov:endTime 2025-06-26T06:55:02.167000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/779 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 89 Mohammad glens, McDonaldtown, E1 7RS cs:attr_from_date "2023-02-28" %% xsd:date pl:created_at 2025-06-19T00:00:00 ann17->n18 n19 app:providers/8 ann18 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/780 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 89 Mohammad glens, McDonaldtown, E1 7RS cs:attr_first_confirmed "2025-06-05" %% xsd:date cs:attr_last_confirmed "2025-02-27" %% xsd:date cs:attr_prev_address 626 Perry row, Hillside, GU7H 3PT pl:created_at 2025-06-26T06:55:02.172375 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n7 b6->n12 b7->n10 b8->n9 b9->n5 b9->n8 plan b10->n11 b11->n3 b12->n15 b13->n14 b14->n9 b15->n18 b16->n20 b17->n7 b18->n10