Provenance for Decision #277

Decided on: July 25, 2025, 7:04 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:c5c11ad5-0091-47b3-b3e0-059ada070770 n4 app:applications/155 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-07-25T18:38:27.591000+01:00 prov:endTime 2025-07-25T19:04:14.599000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/277 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 2025-07-25T19:04:14.599746 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/155 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 61, Natalie forks, West Lindsey, TW37 7FQ cs:attr_annual_income 47000 cs:attr_applicant_name Lisa Rowley cs:attr_dob "1976-01-17" %% xsd:date cs:attr_email_address parkerricky@example.net cs:attr_emp_length 6 cs:attr_emp_title Sales professional, IT cs:attr_home_ownership 3 cs:attr_phone_number (01632)960404 cs:attr_prev_address 723 Sally point, North Lawrence, DT37 1SW pl:created_at 2025-07-25T18:38:27.591229 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a0c4a25b-8970-4645-be91-3d3b1c4708c0 n6->n4 used n8 app:creditreports/277 n6->n8 used n10 app:records/987 n6->n10 used n11 app:records/985 n6->n11 used n12 app:records/986 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-07-25T18:38:27.591000+01:00 prov:endTime 2025-07-25T19:04:14.599000+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:ea0b7da0-e715-40e9-8988-372056bd9b97 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 176 pl:created_at 2025-07-25T19:04:14.591653 ann7->n8 n9 app:recommendations/277 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom b9 n9->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-25T19:04:14.599746 pl:reason cs:low_credit_score ann8->n9 n21 app:providers/14 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 "772.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "45.7" %% xsd:float pl:created_at 2025-07-25T19:04:14.598862 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 "772.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "33.29" %% xsd:float pl:created_at 2025-07-25T19:04:14.597573 ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "772.82" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "67.98" %% xsd:float pl:created_at 2025-07-25T19:04:14.598247 ann11->n12 ann12 prov:label Lisa Rowley prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/155/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 61, Natalie forks, West Lindsey, TW37 7FQ cs:attr_applicant_name Lisa Rowley cs:attr_dob "1976-01-17" %% xsd:date cs:attr_prev_address 723 Sally point, North Lawrence, DT37 1SW 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 2025-07-25T19:04:14.591000+01:00 prov:endTime 2025-07-25T19:04:14.591000+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/983 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 61, Natalie forks, West Lindsey, TW37 7FQ cs:attr_from_date "2025-01-03" %% xsd:date pl:created_at 2025-07-22T00:00:00 ann17->n18 n19 app:providers/10 ann18 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/984 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 61, Natalie forks, West Lindsey, TW37 7FQ cs:attr_first_confirmed "2025-06-27" %% xsd:date cs:attr_last_confirmed "2024-08-09" %% xsd:date cs:attr_prev_address 723 Sally point, North Lawrence, DT37 1SW pl:created_at 2025-07-25T19:04:14.596159 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n12 b6->n11 b7->n4 b8->n10 b9->n8 b10->n9 b11->n4 b12->n14 b13->n15 b14->n18 b15->n10 b16->n12 b17->n20 b18->n11