Provenance for Decision #391

Decided on: Sept. 14, 2022, 1:44 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:a346405f-977a-4196-ae7c-32e71937dd96 n3 app:applications/223 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2022-09-14T13:44:35.761000+01:00 prov:endTime 2022-09-14T13:44:57.064000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/223 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 05, Kent highway, Lake Patriciahaven, B94 8QA cs:attr_annual_income 13000 cs:attr_applicant_name Stephanie Slater cs:attr_dob "1977-01-23" %% xsd:date cs:attr_email_address michellethompson@hotmail.co.uk cs:attr_emp_length 9 cs:attr_emp_title Therapist, music cs:attr_home_ownership 3 cs:attr_phone_number +44(0)1164960259 cs:attr_prev_address Studio 7, Oliver loop, Kyleborough, M52 5DQ pl:created_at 2022-09-14T13:44:35.761798 ann3->n3 n4 app:decisions/391 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b9 n4->b9 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 2022-09-14T13:44:57.064254 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:b8f89adc-e28b-4d1b-a41f-139ee7fddb5c n6->n3 used n8 app:creditreports/391 n6->n8 used n10 app:records/1416 n6->n10 used n11 app:records/1417 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2022-09-14T13:44:35.761000+01:00 prov:endTime 2022-09-14T13:44:57.064000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/391 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-09-14T13:44:57.064254 pl:reason cs:low_credit_score ann7->n7 n14 app:providers/1 n8->n14 wasAttributedTo n15 uuid:e9897e09-8f8e-42b3-bc28-253d0f3b970c n8->n15 wasGeneratedBy b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 368 pl:created_at 2022-09-14T13:44:57.041586 ann8->n8 n9 app:models/creditcard_assessment n20 app:providers/15 n10->n20 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 "174.74" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Dec-2021 cs:attr_payment_amount "1.76" %% xsd:float pl:created_at 2022-09-14T13:44:57.059639 ann9->n10 n11->n20 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 "174.74" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Feb-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-09-14T13:44:57.061506 ann10->n11 ann11 prov:label Stephanie Slater prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/223/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 05, Kent highway, Lake Patriciahaven, B94 8QA cs:attr_applicant_name Stephanie Slater cs:attr_dob "1977-01-23" %% xsd:date cs:attr_prev_address Studio 7, Oliver loop, Kyleborough, M52 5DQ ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2022-09-14T13:44:57.041000+01:00 prov:endTime 2022-09-14T13:44:57.041000+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/1414 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 05, Kent highway, Lake Patriciahaven, B94 8QA cs:attr_from_date "2021-10-26" %% xsd:date pl:created_at 2022-08-24T00:00:00 ann16->n17 n18 app:providers/5 ann17 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1415 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 05, Kent highway, Lake Patriciahaven, B94 8QA cs:attr_first_confirmed "2022-08-29" %% xsd:date cs:attr_last_confirmed "2021-09-20" %% xsd:date cs:attr_prev_address Studio 7, Oliver loop, Kyleborough, M52 5DQ pl:created_at 2022-09-14T13:44:57.055510 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n8 b5->n11 b6->n3 b7->n10 b8->n5 b8->n9 plan b9->n7 b10->n3 b11->n14 b12->n13 b13->n10 b14->n19 b15->n17 b16->n11