Provenance for Decision #2311

Decided on: July 24, 2024, 4:29 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:5259bc04-5a67-4116-a982-85da072cd85d n3 app:applications/516 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2024-07-22T04:38:16.112000+01:00 prov:endTime 2024-07-24T16:29:34.611000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/516 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 76T, Anthony ferry, Wardland, AL2A 3GY cs:attr_annual_income 117000 cs:attr_applicant_name Clifford Lloyd-Parry cs:attr_dob "1991-06-26" %% xsd:date cs:attr_email_address daviesbrett@example.com cs:attr_emp_length 8 cs:attr_emp_title Teacher, special educational needs cs:attr_home_ownership 2 cs:attr_phone_number (0121) 496 0093 cs:attr_prev_address Flat 74, Sally meadows, South Colin, G05 0XP pl:created_at 2024-07-22T04:38:16.112192 ann3->n3 n4 app:decisions/2311 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b9 n4->b9 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 2024-07-24T16:29:34.611240 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:3f0a1041-3c19-4510-8624-895262fc7953 n6->n3 used n8 app:records/6770 n6->n8 used n9 app:records/6771 n6->n9 used n10 app:creditreports/2312 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2024-07-22T04:38:16.112000+01:00 prov:endTime 2024-07-24T16:29:34.611000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n16 app:providers/14 n8->n16 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 "241.58" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Apr-2024 cs:attr_payment_amount "3.28" %% xsd:float pl:created_at 2024-07-24T16:29:34.606837 ann7->n8 n9->n16 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 "241.58" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Apr-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-07-24T16:29:34.608761 ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:37b2a661-159b-4dcd-b8a4-a372bccf7693 n10->n15 wasGeneratedBy b11 n10->b11 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 109 pl:created_at 2024-07-24T16:29:34.590452 ann9->n10 n11 app:recommendations/2311 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-07-24T16:29:34.611240 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Clifford Lloyd-Parry prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/516/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 76T, Anthony ferry, Wardland, AL2A 3GY cs:attr_applicant_name Clifford Lloyd-Parry cs:attr_dob "1991-06-26" %% xsd:date cs:attr_prev_address Flat 74, Sally meadows, South Colin, G05 0XP ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2024-07-24T16:29:34.590000+01:00 prov:endTime 2024-07-24T16:29:34.590000+01:00 prov:type cs:SearchingCreditHistory ann14->n15 ann15 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann15->n16 n17 app:providers/6 ann16 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/6769 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 76T, Anthony ferry, Wardland, AL2A 3GY cs:attr_first_confirmed "2024-07-12" %% xsd:date cs:attr_last_confirmed "2023-08-03" %% xsd:date cs:attr_prev_address Flat 74, Sally meadows, South Colin, G05 0XP pl:created_at 2024-07-24T16:29:34.603081 ann17->n18 n19 app:providers/2 ann18 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann18->n19 n20 app:records/6768 n20->n19 wasAttributedTo ann19 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 76T, Anthony ferry, Wardland, AL2A 3GY cs:attr_from_date "2023-01-19" %% xsd:date pl:created_at 2024-07-02T00:00:00 ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n8 b5->n10 b6->n9 b7->n3 b8->n5 b8->n7 plan b9->n11 b10->n3 b11->n13 b12->n14 b13->n8 b14->n18 b15->n20 b16->n9