Provenance for Decision #222

Decided on: June 26, 2025, 11:36 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:9286c345-18f5-494e-86ab-587a5f19ebad n3 app:applications/124 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-25T18:37:01.528000+01:00 prov:endTime 2025-06-26T23:36:15.248000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n17 app:applicants/124 n3->n17 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 0 Wright field, Duncanborough, KA7V 7JD cs:attr_annual_income 88000 cs:attr_applicant_name Adam Morris cs:attr_dob "1996-04-27" %% xsd:date cs:attr_email_address aglover@example.net cs:attr_emp_length 6 cs:attr_emp_title Scientist, research (maths) cs:attr_home_ownership 3 cs:attr_phone_number +44151 4960832 cs:attr_prev_address Flat 14, Field plains, New Barryton, G7 2WA pl:created_at 2025-06-25T18:37:01.528623 ann3->n3 n4 app:decisions/222 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b14 n4->b14 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 2025-06-26T23:36:15.248251 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:c1b219dc-c8df-478d-a1c4-3925a8e66ca2 n6->n3 used n7 app:records/796 n6->n7 used n8 app:records/774 n6->n8 used n9 app:records/797 n6->n9 used n10 app:records/772 n6->n10 used n12 app:records/795 n6->n12 used n13 app:records/773 n6->n13 used n14 app:creditreports/222 n6->n14 used n16 app:records/798 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2025-06-25T18:37:01.528000+01:00 prov:endTime 2025-06-26T23:36:15.248000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n25 app:providers/15 n7->n25 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 "81.76" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "3.09" %% xsd:float pl:created_at 2025-06-26T23:36:15.246184 ann7->n7 n9->n25 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 "81.76" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "8.0" %% xsd:float pl:created_at 2025-06-26T23:36:15.246784 ann8->n9 n11 app:models/creditcard_assessment n12->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 "81.76" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-26T23:36:15.245343 ann9->n12 n19 app:providers/1 n14->n19 wasAttributedTo n20 uuid:e7728cdb-814d-4792-b307-e19f05d0956d n14->n20 wasGeneratedBy b16 n14->b16 wasDerivedFrom b18 n14->b18 wasDerivedFrom b19 n14->b19 wasDerivedFrom b20 n14->b20 wasDerivedFrom b21 n14->b21 wasDerivedFrom b22 n14->b22 wasDerivedFrom b23 n14->b23 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 441 pl:created_at 2025-06-26T23:36:15.241239 ann10->n14 n15 app:recommendations/222 n15->n5 wasAttributedTo n15->n6 wasGeneratedBy b4 n15->b4 wasDerivedFrom b5 n15->b5 wasDerivedFrom b6 n15->b6 wasDerivedFrom b7 n15->b7 wasDerivedFrom b8 n15->b8 wasDerivedFrom b9 n15->b9 wasDerivedFrom b10 n15->b10 wasDerivedFrom b11 n15->b11 wasDerivedFrom b12 n15->b12 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-26T23:36:15.248251 pl:reason cs:low_credit_score ann11->n15 n16->n25 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "81.76" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "3.6" %% xsd:float pl:created_at 2025-06-26T23:36:15.247333 ann12->n16 ann13 prov:label Adam Morris prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n17 n18 app:applications/124/id b15 n18->b15 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 0 Wright field, Duncanborough, KA7V 7JD cs:attr_applicant_name Adam Morris cs:attr_dob "1996-04-27" %% xsd:date cs:attr_prev_address Flat 14, Field plains, New Barryton, G7 2WA ann14->n18 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n19 n20->n18 used b17 n20->b17 wasAssociatedWith ann16 prov:startTime 2025-06-26T23:36:15.241000+01:00 prov:endTime 2025-06-26T23:36:15.241000+01:00 prov:type cs:SearchingCreditHistory ann16->n20 n21 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n21 n22 app:records/770 n22->n21 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Wright field, Duncanborough, KA7V 7JD cs:attr_from_date "2022-09-15" %% xsd:date pl:created_at 2025-06-04T00:00:00 ann18->n22 n23 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n23 n24 app:records/771 n24->n23 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Wright field, Duncanborough, KA7V 7JD cs:attr_first_confirmed "2025-06-13" %% xsd:date cs:attr_last_confirmed "2024-10-19" %% xsd:date cs:attr_prev_address Flat 14, Field plains, New Barryton, G7 2WA pl:created_at 2025-06-25T19:58:06.537238 ann20->n24 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n25 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n7 b5->n9 b6->n13 b7->n16 b8->n3 b9->n10 b10->n8 b11->n12 b12->n14 b13->n5 b13->n11 plan b14->n15 b15->n3 b16->n18 b17->n19 b18->n7 b19->n16 b20->n24 b21->n9 b22->n12 b23->n22