Provenance for Decision #278

Decided on: July 25, 2025, 7:09 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:46dec1ef-3534-4f56-88f7-025a83a0a1cc n4 app:applications/153 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-07-23T08:21:06.024000+01:00 prov:endTime 2025-07-25T19:09:54.814000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/278 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 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 2025-07-25T19:09:54.814055 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/153 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 39, Kaur plaza, West Trevor, SW57 1HJ cs:attr_annual_income 69000 cs:attr_applicant_name Olivia Edwards cs:attr_dob "1957-05-20" %% xsd:date cs:attr_email_address annewright@example.org cs:attr_emp_length 2 cs:attr_emp_title Editorial assistant cs:attr_home_ownership 2 cs:attr_phone_number (0113)4960944 cs:attr_prev_address 9 Jenna meadow, Fullershire, M73 7JJ pl:created_at 2025-07-23T08:21:06.024722 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:9fce3f61-e058-4ce3-8103-0cf0e7deb725 n6->n4 used n7 app:records/992 n6->n7 used n9 app:records/990 n6->n9 used n10 app:records/991 n6->n10 used n12 app:creditreports/278 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-07-23T08:21:06.024000+01:00 prov:endTime 2025-07-25T19:09:54.814000+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 "1773.8" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "44.51" %% xsd:float pl:created_at 2025-07-25T19:09:54.813004 ann7->n7 n8 app:models/creditcard_assessment n9->n21 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 "1773.8" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-07-25T19:09:54.811697 ann8->n9 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 "1773.8" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "57.89" %% xsd:float pl:created_at 2025-07-25T19:09:54.812420 ann9->n10 n11 app:recommendations/278 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-25T19:09:54.814055 pl:reason cs:low_credit_score ann10->n11 n15 app:providers/1 n12->n15 wasAttributedTo n16 uuid:ac3a2238-a76b-47c4-aad8-23db18cf3557 n12->n16 wasGeneratedBy b12 n12->b12 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 567 pl:created_at 2025-07-25T19:09:54.805276 ann11->n12 ann12 prov:label Olivia Edwards prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/153/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 39, Kaur plaza, West Trevor, SW57 1HJ cs:attr_applicant_name Olivia Edwards cs:attr_dob "1957-05-20" %% xsd:date cs:attr_prev_address 9 Jenna meadow, Fullershire, M73 7JJ 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 2025-07-25T19:09:54.805000+01:00 prov:endTime 2025-07-25T19:09:54.805000+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/988 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 39, Kaur plaza, West Trevor, SW57 1HJ cs:attr_from_date "2024-03-01" %% xsd:date pl:created_at 2025-07-20T00:00:00 ann17->n18 n19 app:providers/12 ann18 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/989 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 39, Kaur plaza, West Trevor, SW57 1HJ cs:attr_first_confirmed "2025-06-25" %% xsd:date cs:attr_last_confirmed "2024-12-03" %% xsd:date cs:attr_prev_address 9 Jenna meadow, Fullershire, M73 7JJ pl:created_at 2025-07-25T19:09:54.810135 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n10 b6->n4 b7->n7 b8->n12 b9->n9 b10->n11 b11->n4 b12->n14 b13->n15 b14->n7 b15->n9 b16->n10 b17->n20 b18->n18