Provenance for Decision #241

Decided on: July 6, 2025, 2:37 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:98817fa6-30a3-442d-8ee1-724f2405a235 n4 app:applications/139 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-07-03T15:01:37.691000+01:00 prov:endTime 2025-07-06T14:37:23.881000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/241 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b8 n3->b8 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 2025-07-06T14:37:23.881901 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/139 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 96s, Neil parks, North Lisa, S8H 5EJ cs:attr_annual_income 110000 cs:attr_applicant_name Bruce Fraser cs:attr_dob "1965-02-22" %% xsd:date cs:attr_email_address rbutler@example.net cs:attr_emp_length 15 cs:attr_emp_title Insurance risk surveyor cs:attr_home_ownership 2 cs:attr_phone_number (0115) 4960037 cs:attr_prev_address 917 Derek extension, South Rita, S2 8ED pl:created_at 2025-07-03T15:01:37.691888 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:068de28f-adab-4325-9326-c51a8dedbd1c n6->n4 used n8 app:creditreports/241 n6->n8 used n9 app:records/870 n6->n9 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2025-07-03T15:01:37.691000+01:00 prov:endTime 2025-07-06T14:37:23.881000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n13 app:providers/1 n8->n13 wasAttributedTo n14 uuid:99ceb6a5-b085-4b21-9a9c-b286fd67ea38 n8->n14 wasGeneratedBy b10 n8->b10 wasDerivedFrom b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 152 pl:created_at 2025-07-06T14:37:23.874243 ann7->n8 n19 app:providers/15 n9->n19 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 "280.45" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-07-06T14:37:23.880881 ann8->n9 n10 app:recommendations/241 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-06T14:37:23.881901 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Bruce Fraser prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/139/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 96s, Neil parks, North Lisa, S8H 5EJ cs:attr_applicant_name Bruce Fraser cs:attr_dob "1965-02-22" %% xsd:date cs:attr_prev_address 917 Derek extension, South Rita, S2 8ED ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2025-07-06T14:37:23.874000+01:00 prov:endTime 2025-07-06T14:37:23.874000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/868 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 96s, Neil parks, North Lisa, S8H 5EJ cs:attr_from_date "2024-10-25" %% xsd:date pl:created_at 2025-06-06T00:00:00 ann15->n16 n17 app:providers/12 ann16 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/869 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 96s, Neil parks, North Lisa, S8H 5EJ cs:attr_first_confirmed "2025-07-04" %% xsd:date cs:attr_last_confirmed "2024-07-08" %% xsd:date cs:attr_prev_address 917 Derek extension, South Rita, S2 8ED pl:created_at 2025-07-06T14:37:23.879182 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n8 b5->n4 b6->n9 b7->n5 b7->n7 plan b8->n10 b9->n4 b10->n12 b11->n13 b12->n18 b13->n9 b14->n16