Provenance for Decision #224

Decided on: June 27, 2025, 2:05 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:82d5a527-6416-44f0-b334-c1b6361b403f n3 app:applications/125 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2025-06-27T14:05:01.254000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/125 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_annual_income 17000 cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_email_address chambersjames@example.com cs:attr_emp_length 4 cs:attr_emp_title Insurance underwriter cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1314960556 cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-25T19:57:55.598518 ann3->n3 n4 app:decisions/224 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2025-06-27T14:05:01.254707 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:7f743aee-db90-4519-a94d-85a9cd9cecea n6->n3 used n8 app:records/806 n6->n8 used n9 app:records/807 n6->n9 used n10 app:records/804 n6->n10 used n11 app:records/805 n6->n11 used n12 app:creditreports/224 n6->n12 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2025-06-27T14:05:01.254000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/15 n8->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 "293.56" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "1.46" %% xsd:float pl:created_at 2025-06-27T14:05:01.253247 ann7->n8 n9->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 "293.56" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-27T14:05:01.253832 ann8->n9 n10->n22 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 "293.56" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "23.67" %% xsd:float pl:created_at 2025-06-27T14:05:01.251834 ann9->n10 n11->n22 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "293.56" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "18.23" %% xsd:float pl:created_at 2025-06-27T14:05:01.252635 ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:aae1b554-e8ed-418e-8695-d4b8b778130c n12->n17 wasGeneratedBy b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 709 pl:created_at 2025-06-27T14:05:01.245180 ann11->n12 n13 app:recommendations/224 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b4 n13->b4 wasDerivedFrom b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-27T14:05:01.254707 pl:reason cs:low_credit_score ann12->n13 ann13 prov:label Margaret Byrne prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/125/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2025-06-27T14:05:01.245000+01:00 prov:endTime 2025-06-27T14:05:01.245000+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/802 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_from_date "2025-01-12" %% xsd:date pl:created_at 2025-06-04T00:00:00 ann18->n19 n20 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/803 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_first_confirmed "2025-06-01" %% xsd:date cs:attr_last_confirmed "2025-02-05" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-27T14:05:01.250383 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n8 b6->n11 b7->n12 b8->n9 b9->n3 b10->n5 b10->n7 plan b11->n13 b12->n3 b13->n16 b14->n15 b15->n9 b16->n8 b17->n10 b18->n21 b19->n11 b20->n19