Provenance for Decision #231

Decided on: July 2, 2025, 6:56 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:6712a204-1028-4d05-8350-a88ed176d4ce n3 app:applications/136 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-07-02T15:28:13.205000+01:00 prov:endTime 2025-07-02T18:56:13.355000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/136 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 2 Chapman forges, New Lydiaton, NW7 6FG cs:attr_annual_income 96000 cs:attr_applicant_name Alice Scott cs:attr_dob "1971-11-11" %% xsd:date cs:attr_email_address gillstacey@example.com cs:attr_emp_length 25 cs:attr_emp_title Medical physicist cs:attr_home_ownership 3 cs:attr_phone_number (0141) 4960332 cs:attr_prev_address Studio 24z, Danielle ways, Paigechester, G13 2TG pl:created_at 2025-07-02T15:28:13.205093 ann3->n3 n4 app:decisions/231 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2025-07-02T18:56:13.355570 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:116c60c9-3f1e-4734-b7dd-d438a649dc03 n6->n3 used n8 app:creditreports/231 n6->n8 used n9 app:records/835 n6->n9 used n10 app:records/836 n6->n10 used n11 app:records/834 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-07-02T15:28:13.205000+01:00 prov:endTime 2025-07-02T18:56:13.355000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n15 app:providers/1 n8->n15 wasAttributedTo n16 uuid:f17c3809-6664-4afe-8b1c-60da57b07c01 n8->n16 wasGeneratedBy b12 n8->b12 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 652 pl:created_at 2025-07-02T18:56:13.346902 ann7->n8 n21 app:providers/15 n9->n21 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 "474.09" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-07-02T18:56:13.354079 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 "474.09" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "28.94" %% xsd:float pl:created_at 2025-07-02T18:56:13.354679 ann9->n10 n11->n21 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 "474.09" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "26.5" %% xsd:float pl:created_at 2025-07-02T18:56:13.353343 ann10->n11 n12 app:recommendations/231 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-02T18:56:13.355570 pl:reason cs:low_credit_score ann11->n12 ann12 prov:label Alice Scott prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/136/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 2 Chapman forges, New Lydiaton, NW7 6FG cs:attr_applicant_name Alice Scott cs:attr_dob "1971-11-11" %% xsd:date cs:attr_prev_address Studio 24z, Danielle ways, Paigechester, G13 2TG ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-07-02T18:56:13.346000+01:00 prov:endTime 2025-07-02T18:56:13.346000+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/832 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Chapman forges, New Lydiaton, NW7 6FG cs:attr_from_date "2022-09-10" %% xsd:date pl:created_at 2025-06-18T00:00:00 ann17->n18 n19 app:providers/4 ann18 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/833 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Chapman forges, New Lydiaton, NW7 6FG cs:attr_first_confirmed "2025-06-14" %% xsd:date cs:attr_last_confirmed "2024-12-29" %% xsd:date cs:attr_prev_address Studio 24z, Danielle ways, Paigechester, G13 2TG pl:created_at 2025-07-02T18:56:13.351824 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n3 b6->n9 b7->n10 b8->n11 b9->n8 b10->n12 b11->n3 b12->n14 b13->n15 b14->n18 b15->n9 b16->n20 b17->n11 b18->n10