Provenance for Decision #283

Decided on: July 28, 2025, 5:14 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:2f9b09e3-c2d0-462c-aa5a-5b961c2b17e5 n4 app:applications/32 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-01-15T11:40:34.952000+00:00 prov:endTime 2025-07-28T17:14:30.696000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/283 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b72 n3->b72 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 2025-07-28T17:14:30.696075 pl:reason cs:low_credit_score ann3->n3 n75 app:applicants/32 n4->n75 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_annual_income 40000 cs:attr_applicant_name Natasha Foster cs:attr_dob "2002-12-08" %% xsd:date cs:attr_email_address lbishop@example.com cs:attr_emp_length 1 cs:attr_emp_title Doctor, hospital cs:attr_home_ownership 1 cs:attr_phone_number 020 7946 0691 cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ pl:created_at 2025-01-15T11:40:34.952227 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:19573467-5015-49bb-92a1-8182a8573bc0 n6->n4 used n8 app:records/615 n6->n8 used n9 app:records/899 n6->n9 used n10 app:records/614 n6->n10 used n11 app:records/853 n6->n11 used n12 app:records/897 n6->n12 used n13 app:records/854 n6->n13 used n14 app:records/898 n6->n14 used n15 app:records/895 n6->n15 used n16 app:records/896 n6->n16 used n17 app:records/852 n6->n17 used n18 app:creditreports/283 n6->n18 used n19 app:records/894 n6->n19 used n20 app:records/891 n6->n20 used n21 app:records/691 n6->n21 used n22 app:records/690 n6->n22 used n23 app:records/800 n6->n23 used n24 app:records/801 n6->n24 used n25 app:records/688 n6->n25 used n26 app:records/689 n6->n26 used n27 app:records/686 n6->n27 used n28 app:records/687 n6->n28 used n29 app:records/244 n6->n29 used n30 app:records/684 n6->n30 used n31 app:records/685 n6->n31 used n32 app:records/880 n6->n32 used n33 app:records/440 n6->n33 used n34 app:records/242 n6->n34 used n35 app:records/441 n6->n35 used n36 app:records/243 n6->n36 used n37 app:records/683 n6->n37 used n38 app:records/284 n6->n38 used n39 app:records/1008 n6->n39 used n40 app:records/758 n6->n40 used n41 app:records/439 n6->n41 used n42 app:records/879 n6->n42 used n43 app:records/1009 n6->n43 used n44 app:records/759 n6->n44 used n45 app:records/756 n6->n45 used n46 app:records/878 n6->n46 used n47 app:records/438 n6->n47 used n48 app:records/757 n6->n48 used n49 app:records/435 n6->n49 used n50 app:records/754 n6->n50 used n51 app:records/436 n6->n51 used n52 app:records/799 n6->n52 used n53 app:records/755 n6->n53 used n54 app:records/433 n6->n54 used n55 app:records/752 n6->n55 used n56 app:records/873 n6->n56 used n57 app:records/753 n6->n57 used n58 app:records/434 n6->n58 used n59 app:records/871 n6->n59 used n60 app:records/750 n6->n60 used n61 app:records/673 n6->n61 used n63 app:records/872 n6->n63 used n64 app:records/751 n6->n64 used n65 app:records/1010 n6->n65 used n66 app:records/745 n6->n66 used n67 app:records/900 n6->n67 used n68 app:records/664 n6->n68 used n69 app:records/662 n6->n69 used n70 app:records/663 n6->n70 used n71 app:records/661 n6->n71 used n72 app:records/183 n6->n72 used n73 app:records/184 n6->n73 used n74 app:records/182 n6->n74 used b71 n6->b71 wasAssociatedWith ann6 prov:startTime 2025-01-15T11:40:34.952000+00:00 prov:endTime 2025-07-28T17:14:30.696000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/283 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom b9 n7->b9 wasDerivedFrom b10 n7->b10 wasDerivedFrom b11 n7->b11 wasDerivedFrom b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom b19 n7->b19 wasDerivedFrom b20 n7->b20 wasDerivedFrom b21 n7->b21 wasDerivedFrom b22 n7->b22 wasDerivedFrom b23 n7->b23 wasDerivedFrom b24 n7->b24 wasDerivedFrom b25 n7->b25 wasDerivedFrom b26 n7->b26 wasDerivedFrom b27 n7->b27 wasDerivedFrom b28 n7->b28 wasDerivedFrom b29 n7->b29 wasDerivedFrom b30 n7->b30 wasDerivedFrom b31 n7->b31 wasDerivedFrom b32 n7->b32 wasDerivedFrom b33 n7->b33 wasDerivedFrom b34 n7->b34 wasDerivedFrom b35 n7->b35 wasDerivedFrom b36 n7->b36 wasDerivedFrom b37 n7->b37 wasDerivedFrom b38 n7->b38 wasDerivedFrom b39 n7->b39 wasDerivedFrom b40 n7->b40 wasDerivedFrom b41 n7->b41 wasDerivedFrom b42 n7->b42 wasDerivedFrom b43 n7->b43 wasDerivedFrom b44 n7->b44 wasDerivedFrom b45 n7->b45 wasDerivedFrom b46 n7->b46 wasDerivedFrom b47 n7->b47 wasDerivedFrom b48 n7->b48 wasDerivedFrom b49 n7->b49 wasDerivedFrom b50 n7->b50 wasDerivedFrom b51 n7->b51 wasDerivedFrom b52 n7->b52 wasDerivedFrom b53 n7->b53 wasDerivedFrom b54 n7->b54 wasDerivedFrom b55 n7->b55 wasDerivedFrom b56 n7->b56 wasDerivedFrom b57 n7->b57 wasDerivedFrom b58 n7->b58 wasDerivedFrom b59 n7->b59 wasDerivedFrom b60 n7->b60 wasDerivedFrom b61 n7->b61 wasDerivedFrom b62 n7->b62 wasDerivedFrom b63 n7->b63 wasDerivedFrom b64 n7->b64 wasDerivedFrom b65 n7->b65 wasDerivedFrom b66 n7->b66 wasDerivedFrom b67 n7->b67 wasDerivedFrom b68 n7->b68 wasDerivedFrom b69 n7->b69 wasDerivedFrom b70 n7->b70 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-28T17:14:30.696075 pl:reason cs:low_credit_score ann7->n7 n77 app:providers/1 n18->n77 wasAttributedTo n78 uuid:acef0a58-38fd-49ee-9e13-deaf74db9b19 n18->n78 wasGeneratedBy b74 n18->b74 wasDerivedFrom b76 n18->b76 wasDerivedFrom b77 n18->b77 wasDerivedFrom b78 n18->b78 wasDerivedFrom b79 n18->b79 wasDerivedFrom b80 n18->b80 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 539 pl:created_at 2025-07-28T17:14:30.686846 ann8->n18 n83 app:providers/15 n39->n83 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "587.05" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-07-28T17:14:30.693546 ann9->n39 n43->n83 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 "587.05" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "23.77" %% xsd:float pl:created_at 2025-07-28T17:14:30.694443 ann10->n43 n62 app:models/creditcard_assessment n65->n83 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 "587.05" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "38.45" %% xsd:float pl:created_at 2025-07-28T17:14:30.695125 ann11->n65 ann12 prov:label Natasha Foster prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n75 n76 app:applications/32/id b73 n76->b73 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_applicant_name Natasha Foster cs:attr_dob "2002-12-08" %% xsd:date cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ ann13->n76 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n77 n78->n76 used b75 n78->b75 wasAssociatedWith ann15 prov:startTime 2025-07-28T17:14:30.686000+01:00 prov:endTime 2025-07-28T17:14:30.686000+01:00 prov:type cs:SearchingCreditHistory ann15->n78 n79 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n79 n80 app:records/180 n80->n79 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_from_date "2023-12-01" %% xsd:date pl:created_at 2024-12-16T00:00:00 ann17->n80 n81 app:providers/12 ann18 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n81 n82 app:records/181 n82->n81 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_first_confirmed "2025-01-04" %% xsd:date cs:attr_last_confirmed "2024-08-08" %% xsd:date cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ pl:created_at 2025-01-15T12:11:07.167925 ann19->n82 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n83 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n66 b5->n24 b6->n69 b7->n71 b8->n58 b9->n47 b10->n57 b11->n8 b12->n4 b13->n56 b14->n54 b15->n21 b16->n59 b17->n29 b18->n55 b19->n10 b20->n38 b21->n9 b22->n73 b23->n34 b24->n32 b25->n46 b26->n28 b27->n12 b28->n60 b29->n35 b30->n22 b31->n68 b32->n48 b33->n11 b34->n36 b35->n50 b36->n53 b37->n13 b38->n41 b39->n65 b40->n31 b41->n40 b42->n25 b43->n67 b44->n14 b45->n17 b46->n42 b47->n37 b48->n43 b49->n45 b50->n18 b51->n49 b52->n33 b53->n15 b54->n72 b55->n51 b56->n44 b57->n61 b58->n52 b59->n27 b60->n64 b61->n70 b62->n20 b63->n26 b64->n63 b65->n39 b66->n23 b67->n30 b68->n19 b69->n74 b70->n16 b71->n5 b71->n62 plan b72->n7 b73->n4 b74->n76 b75->n77 b76->n43 b77->n65 b78->n82 b79->n80 b80->n39