Provenance for Decision #238

Decided on: July 3, 2025, 6:51 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:6f2da07b-fd34-47ed-b73b-49d6f5fe7f94 n4 app:applications/132 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-28T15:31:23.310000+01:00 prov:endTime 2025-07-03T18:51:06.742000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/238 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b10 n3->b10 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 2025-07-03T18:51:06.742159 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/132 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 30 Lynne haven, Lake Bruce, L39 6QN cs:attr_annual_income 21000 cs:attr_applicant_name Leonard Evans-Armstrong cs:attr_dob "1968-12-28" %% xsd:date cs:attr_email_address ian75@example.com cs:attr_emp_length 19 cs:attr_emp_title Recruitment consultant cs:attr_home_ownership 4 cs:attr_phone_number +441154960788 cs:attr_prev_address 268 Andrews course, Janetberg, L1 1BJ pl:created_at 2025-06-28T15:31:23.310634 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:62fbd24d-81a0-4aa7-bc35-237a66934b0b n6->n4 used n7 app:records/860 n6->n7 used n9 app:records/861 n6->n9 used n11 app:records/859 n6->n11 used n12 app:creditreports/238 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-06-28T15:31:23.310000+01:00 prov:endTime 2025-07-03T18:51:06.742000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/15 n7->n21 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 "1796.73" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "107.18" %% xsd:float pl:created_at 2025-07-03T18:51:06.740574 ann7->n7 n8 app:models/creditcard_assessment n9->n21 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 "1796.73" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "150.23" %% xsd:float pl:created_at 2025-07-03T18:51:06.741158 ann8->n9 n10 app:recommendations/238 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-03T18:51:06.742159 pl:reason cs:low_credit_score 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 "1796.73" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "62.13" %% xsd:float pl:created_at 2025-07-03T18:51:06.739867 ann10->n11 n15 app:providers/1 n12->n15 wasAttributedTo n16 uuid:2712c173-c95f-4fec-90a5-ba7da6a59397 n12->n16 wasGeneratedBy b13 n12->b13 wasDerivedFrom b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 619 pl:created_at 2025-07-03T18:51:06.733621 ann11->n12 ann12 prov:label Leonard Evans-Armstrong prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/132/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 30 Lynne haven, Lake Bruce, L39 6QN cs:attr_applicant_name Leonard Evans-Armstrong cs:attr_dob "1968-12-28" %% xsd:date cs:attr_prev_address 268 Andrews course, Janetberg, L1 1BJ ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2025-07-03T18:51:06.733000+01:00 prov:endTime 2025-07-03T18:51:06.733000+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/857 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 30 Lynne haven, Lake Bruce, L39 6QN cs:attr_from_date "2022-09-24" %% xsd:date pl:created_at 2025-06-06T00:00:00 ann17->n18 n19 app:providers/12 ann18 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/858 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 30 Lynne haven, Lake Bruce, L39 6QN cs:attr_first_confirmed "2025-06-14" %% xsd:date cs:attr_last_confirmed "2024-07-30" %% xsd:date cs:attr_prev_address 268 Andrews course, Janetberg, L1 1BJ pl:created_at 2025-07-03T18:51:06.738468 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n11 b6->n4 b7->n7 b8->n9 b9->n5 b9->n8 plan b10->n10 b11->n4 b12->n15 b13->n14 b14->n11 b15->n20 b16->n9 b17->n7 b18->n18