Provenance for Decision #2827

Decided on: Aug. 25, 2024, 12:12 a.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:b280cbc6-5c55-46e6-897a-4a9ac5a772c3 n3 app:applications/520 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2024-07-26T02:40:01.058000+01:00 prov:endTime 2024-08-25T00:12:27.660000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n26 app:applicants/520 n3->n26 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 2, Hilary knolls, New Sharonville, W7 4UL cs:attr_annual_income 51000 cs:attr_applicant_name Kirsty Johnson cs:attr_dob "1966-06-20" %% xsd:date cs:attr_email_address craig87@example.com cs:attr_emp_length 14 cs:attr_emp_title Trading standards officer cs:attr_home_ownership 3 cs:attr_phone_number 020 7946 0356 cs:attr_prev_address Studio 08, Harper haven, Jonesview, PH8 1FF pl:created_at 2024-07-26T02:40:01.058747 ann3->n3 n4 app:decisions/2827 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b23 n4->b23 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2024-08-25T00:12:27.660284 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:5805aac0-905a-4b2d-88a7-87d12d169fc8 n6->n3 used n7 app:creditreports/2828 n6->n7 used n8 app:records/6930 n6->n8 used n9 app:records/8106 n6->n9 used n10 app:records/8105 n6->n10 used n11 app:records/7323 n6->n11 used n12 app:records/7950 n6->n12 used n13 app:records/7694 n6->n13 used n14 app:records/7949 n6->n14 used n16 app:records/7483 n6->n16 used n17 app:records/7692 n6->n17 used n18 app:records/7693 n6->n18 used n19 app:records/7481 n6->n19 used n20 app:records/7691 n6->n20 used n21 app:records/7482 n6->n21 used n22 app:records/7182 n6->n22 used n23 app:records/7183 n6->n23 used n25 app:records/7181 n6->n25 used b22 n6->b22 wasAssociatedWith ann6 prov:startTime 2024-07-26T02:40:01.058000+01:00 prov:endTime 2024-08-25T00:12:27.660000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n28 app:providers/1 n7->n28 wasAttributedTo n29 uuid:66b900e5-5d61-4516-b173-a77bee616748 n7->n29 wasGeneratedBy b25 n7->b25 wasDerivedFrom b27 n7->b27 wasDerivedFrom b28 n7->b28 wasDerivedFrom b29 n7->b29 wasDerivedFrom b30 n7->b30 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 558 pl:created_at 2024-08-25T00:12:27.646343 ann7->n7 n30 app:providers/14 n9->n30 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 "276.15" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jan-2024 cs:attr_payment_amount "21.85" %% xsd:float pl:created_at 2024-08-25T00:12:27.657909 ann8->n9 n10->n30 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 "276.15" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jan-2024 cs:attr_payment_amount "20.02" %% xsd:float pl:created_at 2024-08-25T00:12:27.655952 ann9->n10 n15 app:models/creditcard_assessment n24 app:recommendations/2827 n24->n5 wasAttributedTo n24->n6 wasGeneratedBy b4 n24->b4 wasDerivedFrom b5 n24->b5 wasDerivedFrom b6 n24->b6 wasDerivedFrom b7 n24->b7 wasDerivedFrom b8 n24->b8 wasDerivedFrom b9 n24->b9 wasDerivedFrom b10 n24->b10 wasDerivedFrom b11 n24->b11 wasDerivedFrom b12 n24->b12 wasDerivedFrom b13 n24->b13 wasDerivedFrom b14 n24->b14 wasDerivedFrom b15 n24->b15 wasDerivedFrom b16 n24->b16 wasDerivedFrom b17 n24->b17 wasDerivedFrom b18 n24->b18 wasDerivedFrom b19 n24->b19 wasDerivedFrom b20 n24->b20 wasDerivedFrom b21 n24->b21 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-08-25T00:12:27.660284 pl:reason cs:low_credit_score ann10->n24 ann11 prov:label Kirsty Johnson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n26 n27 app:applications/520/id b24 n27->b24 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 2, Hilary knolls, New Sharonville, W7 4UL cs:attr_applicant_name Kirsty Johnson cs:attr_dob "1966-06-20" %% xsd:date cs:attr_prev_address Studio 08, Harper haven, Jonesview, PH8 1FF ann12->n27 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n28 n29->n27 used b26 n29->b26 wasAssociatedWith ann14 prov:startTime 2024-08-25T00:12:27.646000+01:00 prov:endTime 2024-08-25T00:12:27.646000+01:00 prov:type cs:SearchingCreditHistory ann14->n29 ann15 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann15->n30 n31 app:providers/8 ann16 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n31 n32 app:records/6929 n32->n31 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Hilary knolls, New Sharonville, W7 4UL cs:attr_first_confirmed "2024-07-21" %% xsd:date cs:attr_last_confirmed "2024-01-15" %% xsd:date cs:attr_prev_address Studio 08, Harper haven, Jonesview, PH8 1FF pl:created_at 2024-07-27T21:18:51.352478 ann17->n32 n33 app:providers/2 ann18 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann18->n33 n34 app:records/6928 n34->n33 wasAttributedTo ann19 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Hilary knolls, New Sharonville, W7 4UL cs:attr_from_date "2022-10-09" %% xsd:date pl:created_at 2024-07-07T00:00:00 ann19->n34 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n25 b5->n9 b6->n10 b7->n22 b8->n8 b9->n12 b10->n14 b11->n19 b12->n3 b13->n20 b14->n13 b15->n21 b16->n18 b17->n23 b18->n11 b19->n16 b20->n17 b21->n7 b22->n5 b22->n15 plan b23->n24 b24->n3 b25->n27 b26->n28 b27->n10 b28->n32 b29->n34 b30->n9