Provenance for Decision #2857

Decided on: Aug. 25, 2024, 8:34 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:ab4b77e4-fe35-49bc-8b50-764178d1e5ea n4 app:applications/517 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2024-07-22T15:04:24.668000+01:00 prov:endTime 2024-08-25T08:34:10.970000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/2857 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b25 n3->b25 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 2024-08-25T08:34:10.970142 pl:reason cs:low_credit_score ann3->n3 n28 app:applicants/517 n4->n28 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 732 Robinson inlet, Hawkinsland, W86 0RW cs:attr_annual_income 11000 cs:attr_applicant_name Garry Daniels cs:attr_dob "1990-01-09" %% xsd:date cs:attr_email_address josh60@example.org cs:attr_emp_length 11 cs:attr_emp_title Estate agent cs:attr_home_ownership 1 cs:attr_phone_number (0115) 4960811 cs:attr_prev_address Flat 77L, Nicholas island, Janeville, M8S 9NA pl:created_at 2024-07-22T15:04:24.668178 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:b59c6e6a-9969-4567-8cfc-a43c51395df0 n6->n4 used n7 app:records/6931 n6->n7 used n8 app:records/6763 n6->n8 used n9 app:records/7278 n6->n9 used n10 app:records/7762 n6->n10 used n11 app:records/7124 n6->n11 used n12 app:creditreports/2858 n6->n12 used n13 app:records/7763 n6->n13 used n14 app:records/6762 n6->n14 used n15 app:records/7466 n6->n15 used n16 app:records/7276 n6->n16 used n17 app:records/8178 n6->n17 used n18 app:records/7761 n6->n18 used n19 app:records/7123 n6->n19 used n20 app:records/7893 n6->n20 used n21 app:records/7277 n6->n21 used n24 app:records/8177 n6->n24 used n25 app:records/7275 n6->n25 used n26 app:records/8176 n6->n26 used n27 app:records/8175 n6->n27 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2024-07-22T15:04:24.668000+01:00 prov:endTime 2024-08-25T08:34:10.970000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n30 app:providers/1 n12->n30 wasAttributedTo n31 uuid:96beed04-f06d-4b8a-bac8-784416beec5e n12->n31 wasGeneratedBy b28 n12->b28 wasDerivedFrom b29 n12->b29 wasDerivedFrom b30 n12->b30 wasDerivedFrom b31 n12->b31 wasDerivedFrom b32 n12->b32 wasDerivedFrom b33 n12->b33 wasDerivedFrom b34 n12->b34 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 434 pl:created_at 2024-08-25T08:34:10.952666 ann7->n12 n32 app:providers/14 n17->n32 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 "831.0" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Feb-2024 cs:attr_payment_amount "4.1" %% xsd:float pl:created_at 2024-08-25T08:34:10.967609 ann8->n17 n22 app:recommendations/2857 n22->n5 wasAttributedTo n22->n6 wasGeneratedBy b5 n22->b5 wasDerivedFrom b6 n22->b6 wasDerivedFrom b7 n22->b7 wasDerivedFrom b8 n22->b8 wasDerivedFrom b9 n22->b9 wasDerivedFrom b10 n22->b10 wasDerivedFrom b11 n22->b11 wasDerivedFrom b12 n22->b12 wasDerivedFrom b13 n22->b13 wasDerivedFrom b14 n22->b14 wasDerivedFrom b15 n22->b15 wasDerivedFrom b16 n22->b16 wasDerivedFrom b17 n22->b17 wasDerivedFrom b18 n22->b18 wasDerivedFrom b19 n22->b19 wasDerivedFrom b20 n22->b20 wasDerivedFrom b21 n22->b21 wasDerivedFrom b22 n22->b22 wasDerivedFrom b23 n22->b23 wasDerivedFrom b24 n22->b24 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-08-25T08:34:10.970142 pl:reason cs:low_credit_score ann9->n22 n23 app:models/creditcard_assessment n24->n32 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "831.0" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-08-25T08:34:10.966090 ann10->n24 n26->n32 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "831.0" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Apr-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-08-25T08:34:10.964601 ann11->n26 n27->n32 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "831.0" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Jan-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-08-25T08:34:10.962624 ann12->n27 ann13 prov:label Garry Daniels prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n28 n29 app:applications/517/id b26 n29->b26 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 732 Robinson inlet, Hawkinsland, W86 0RW cs:attr_applicant_name Garry Daniels cs:attr_dob "1990-01-09" %% xsd:date cs:attr_prev_address Flat 77L, Nicholas island, Janeville, M8S 9NA ann14->n29 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n30 n31->n29 used b27 n31->b27 wasAssociatedWith ann16 prov:startTime 2024-08-25T08:34:10.952000+01:00 prov:endTime 2024-08-25T08:34:10.952000+01:00 prov:type cs:SearchingCreditHistory ann16->n31 ann17 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n32 n33 app:providers/3 ann18 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n33 n34 app:records/6761 n34->n33 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 732 Robinson inlet, Hawkinsland, W86 0RW cs:attr_first_confirmed "2024-07-19" %% xsd:date cs:attr_last_confirmed "2023-11-07" %% xsd:date cs:attr_prev_address Flat 77L, Nicholas island, Janeville, M8S 9NA pl:created_at 2024-07-23T17:11:30.017218 ann19->n34 n35 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n35 n36 app:records/6760 n36->n35 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 732 Robinson inlet, Hawkinsland, W86 0RW cs:attr_from_date "2023-01-26" %% xsd:date pl:created_at 2024-07-20T00:00:00 ann21->n36 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n23 plan b5->n7 b6->n18 b7->n15 b8->n27 b9->n9 b10->n19 b11->n21 b12->n12 b13->n4 b14->n10 b15->n25 b16->n8 b17->n13 b18->n26 b19->n14 b20->n24 b21->n17 b22->n16 b23->n11 b24->n20 b25->n22 b26->n4 b27->n30 b28->n29 b29->n27 b30->n17 b31->n34 b32->n24 b33->n36 b34->n26