Provenance for Decision #275

Decided on: July 24, 2025, 6:06 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:655ddad9-635d-46f9-85c1-c4241d61b537 n4 app:applications/152 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-07-22T13:01:03.234000+01:00 prov:endTime 2025-07-24T18:06:01.836000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/275 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b9 n3->b9 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 2025-07-24T18:06:01.836778 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/152 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 18, Taylor rest, New Marilynhaven, DG7R 0QH cs:attr_annual_income 10000 cs:attr_applicant_name Joshua Bennett cs:attr_dob "1964-09-12" %% xsd:date cs:attr_email_address irene11@example.com cs:attr_emp_length 26 cs:attr_emp_title Proofreader cs:attr_home_ownership 1 cs:attr_phone_number +44113 4960588 cs:attr_prev_address Flat 0, Rachael wall, Crosschester, S9J 2SZ pl:created_at 2025-07-22T13:01:03.234488 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:1163382c-5b98-47c9-ae90-e526adde69f0 n6->n4 used n7 app:records/981 n6->n7 used n9 app:records/980 n6->n9 used n10 app:creditreports/275 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-07-22T13:01:03.234000+01:00 prov:endTime 2025-07-24T18:06:01.836000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/15 n7->n20 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 "383.84" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "8.38" %% xsd:float pl:created_at 2025-07-24T18:06:01.835863 ann7->n7 n8 app:models/creditcard_assessment n9->n20 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 "383.84" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "26.72" %% xsd:float pl:created_at 2025-07-24T18:06:01.834893 ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:58bcd2f0-6a28-4c93-945d-60e7b37c2827 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 188 pl:created_at 2025-07-24T18:06:01.828538 ann9->n10 n11 app:recommendations/275 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 2025-07-24T18:06:01.836778 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Joshua Bennett prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/152/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 18, Taylor rest, New Marilynhaven, DG7R 0QH cs:attr_applicant_name Joshua Bennett cs:attr_dob "1964-09-12" %% xsd:date cs:attr_prev_address Flat 0, Rachael wall, Crosschester, S9J 2SZ 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 2025-07-24T18:06:01.828000+01:00 prov:endTime 2025-07-24T18:06:01.828000+01:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/978 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 18, Taylor rest, New Marilynhaven, DG7R 0QH cs:attr_from_date "2022-10-18" %% xsd:date pl:created_at 2025-07-18T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/979 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 18, Taylor rest, New Marilynhaven, DG7R 0QH cs:attr_first_confirmed "2025-07-09" %% xsd:date cs:attr_last_confirmed "2025-04-19" %% xsd:date cs:attr_prev_address Flat 0, Rachael wall, Crosschester, S9J 2SZ pl:created_at 2025-07-24T18:06:01.833496 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n4 b5->n10 b6->n9 b7->n7 b8->n5 b8->n8 plan b9->n11 b10->n4 b11->n13 b12->n14 b13->n19 b14->n9 b15->n7 b16->n17