Provenance for Decision #2191

Decided on: July 16, 2024, 5:32 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:b9260f9f-4932-4f6c-87e8-26cbeed2b4f3 n4 app:applications/425 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2024-01-28T05:41:03.395000+00:00 prov:endTime 2024-07-16T05:32:53.395000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/2191 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b18 n3->b18 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 2024-07-16T05:32:53.395682 pl:reason cs:low_credit_score ann3->n3 n21 app:applicants/425 n4->n21 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 832 Declan mills, West Antonyville, B5 5NS cs:attr_annual_income 92000 cs:attr_applicant_name Martyn Cox-Andrews cs:attr_dob "1968-05-08" %% xsd:date cs:attr_email_address kimbaxter@example.net cs:attr_emp_length 2 cs:attr_emp_title Psychiatric nurse cs:attr_home_ownership 2 cs:attr_phone_number +44(0)28 9018696 cs:attr_prev_address 47 Daniel keys, West Max, BT7N 7ZE pl:created_at 2024-01-28T05:41:03.395623 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a4ba9505-6ef2-464a-b03b-c2fd8f4b859d n6->n4 used n8 app:records/3961 n6->n8 used n9 app:records/3960 n6->n9 used n10 app:records/6453 n6->n10 used n11 app:records/6454 n6->n11 used n12 app:records/6451 n6->n12 used n13 app:records/6452 n6->n13 used n14 app:records/3988 n6->n14 used n15 app:records/3962 n6->n15 used n16 app:records/3987 n6->n16 used n17 app:records/3986 n6->n17 used n19 app:creditreports/2192 n6->n19 used n20 app:records/4590 n6->n20 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2024-01-28T05:41:03.395000+00:00 prov:endTime 2024-07-16T05:32:53.395000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/2191 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom b9 n7->b9 wasDerivedFrom b10 n7->b10 wasDerivedFrom b11 n7->b11 wasDerivedFrom b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-07-16T05:32:53.395682 pl:reason cs:low_credit_score ann7->n7 n25 app:providers/14 n10->n25 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 "2477.98" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jun-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-07-16T05:32:53.391495 ann8->n10 n11->n25 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 "2477.98" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-07-16T05:32:53.393081 ann9->n11 n12->n25 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 "2477.98" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Oct-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-07-16T05:32:53.387989 ann10->n12 n13->n25 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "2477.98" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Oct-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-07-16T05:32:53.389958 ann11->n13 n18 app:models/creditcard_assessment n23 app:providers/1 n19->n23 wasAttributedTo n24 uuid:904972d0-c181-40bf-8f6f-d4e01be5faeb n19->n24 wasGeneratedBy b20 n19->b20 wasDerivedFrom b22 n19->b22 wasDerivedFrom b23 n19->b23 wasDerivedFrom b24 n19->b24 wasDerivedFrom b25 n19->b25 wasDerivedFrom b26 n19->b26 wasDerivedFrom b27 n19->b27 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 323 pl:created_at 2024-07-16T05:32:53.378463 ann12->n19 ann13 prov:label Martyn Cox-Andrews prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n21 n22 app:applications/425/id b19 n22->b19 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 832 Declan mills, West Antonyville, B5 5NS cs:attr_applicant_name Martyn Cox-Andrews cs:attr_dob "1968-05-08" %% xsd:date cs:attr_prev_address 47 Daniel keys, West Max, BT7N 7ZE ann14->n22 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n23 n24->n22 used b21 n24->b21 wasAssociatedWith ann16 prov:startTime 2024-07-16T05:32:53.378000+01:00 prov:endTime 2024-07-16T05:32:53.378000+01:00 prov:type cs:SearchingCreditHistory ann16->n24 ann17 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n25 n26 app:providers/10 ann18 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n26 n27 app:records/3959 n27->n26 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 832 Declan mills, West Antonyville, B5 5NS cs:attr_first_confirmed "2024-01-29" %% xsd:date cs:attr_last_confirmed "2023-04-16" %% xsd:date cs:attr_prev_address 47 Daniel keys, West Max, BT7N 7ZE pl:created_at 2024-02-02T11:35:56.823652 ann19->n27 n28 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n28 n29 app:records/3958 n29->n28 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 832 Declan mills, West Antonyville, B5 5NS cs:attr_from_date "2022-06-11" %% xsd:date pl:created_at 2024-01-23T00:00:00 ann21->n29 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n18 plan b5->n9 b6->n14 b7->n4 b8->n16 b9->n17 b10->n20 b11->n19 b12->n10 b13->n12 b14->n8 b15->n15 b16->n13 b17->n11 b18->n7 b19->n4 b20->n22 b21->n23 b22->n27 b23->n12 b24->n10 b25->n29 b26->n13 b27->n11