Provenance for Decision #384

Decided on: Sept. 8, 2025, 6:04 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:19afbb59-50d6-4c6b-9e60-565bf51fe20b n4 app:applications/206 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-09-06T20:44:38.368000+01:00 prov:endTime 2025-09-08T06:04:20.168000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/384 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b9 n3->b9 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 2025-09-08T06:04:20.168016 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/206 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 0 Bethany route, Gracefurt, NP33 8WP cs:attr_annual_income 15000 cs:attr_applicant_name Joseph Black cs:attr_dob "1987-06-16" %% xsd:date cs:attr_email_address meganholt@example.net cs:attr_emp_length 12 cs:attr_emp_title Production manager cs:attr_home_ownership 4 cs:attr_phone_number 020 74960065 cs:attr_prev_address Studio 51W, Greenwood viaduct, Dorothymouth, IV3N 9YQ pl:created_at 2025-09-06T20:44:38.368022 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:aaa0fbb8-03ab-4820-8b96-7a992c81a8da n6->n4 used n7 app:records/1362 n6->n7 used n8 app:records/1363 n6->n8 used n10 app:creditreports/384 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-09-06T20:44:38.368000+01:00 prov:endTime 2025-09-08T06:04:20.168000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/14 n7->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1701.43" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-09-08T06:04:20.166390 ann7->n7 n8->n20 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 "1701.43" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "84.16" %% xsd:float pl:created_at 2025-09-08T06:04:20.167119 ann8->n8 n9 app:models/creditcard_assessment n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:72f2253e-840e-4e63-b212-3b1d7845d929 n10->n15 wasGeneratedBy b11 n10->b11 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 592 pl:created_at 2025-09-08T06:04:20.159852 ann9->n10 n11 app:recommendations/384 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-08T06:04:20.168016 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Joseph Black prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/206/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 0 Bethany route, Gracefurt, NP33 8WP cs:attr_applicant_name Joseph Black cs:attr_dob "1987-06-16" %% xsd:date cs:attr_prev_address Studio 51W, Greenwood viaduct, Dorothymouth, IV3N 9YQ ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2025-09-08T06:04:20.159000+01:00 prov:endTime 2025-09-08T06:04:20.159000+01:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/1360 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Bethany route, Gracefurt, NP33 8WP cs:attr_from_date "2022-09-26" %% xsd:date pl:created_at 2025-09-06T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1361 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Bethany route, Gracefurt, NP33 8WP cs:attr_first_confirmed "2025-08-26" %% xsd:date cs:attr_last_confirmed "2024-12-07" %% xsd:date cs:attr_prev_address Studio 51W, Greenwood viaduct, Dorothymouth, IV3N 9YQ pl:created_at 2025-09-08T06:04:20.165016 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n8 b5->n4 b6->n10 b7->n7 b8->n5 b8->n9 plan b9->n11 b10->n4 b11->n13 b12->n14 b13->n19 b14->n7 b15->n8 b16->n17