Provenance for Decision #402

Decided on: Sept. 13, 2025, 10:46 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:c479d6b6-b008-437b-bb98-1e33994c8950 n3 app:applications/218 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-09-13T22:18:28.407000+01:00 prov:endTime 2025-09-13T22:46:58.261000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/218 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 99 Clarke greens, Cliffordhaven, E8 5RA cs:attr_annual_income 61000 cs:attr_applicant_name Angela Rowley cs:attr_dob "1986-11-25" %% xsd:date cs:attr_email_address fnicholson@example.org cs:attr_emp_length 16 cs:attr_emp_title Production engineer cs:attr_home_ownership 2 cs:attr_phone_number 0808 157 0174 cs:attr_prev_address Studio 07x, Dominic shore, East Adrian, N2J 8XH pl:created_at 2025-09-13T22:18:28.407285 ann3->n3 n4 app:decisions/402 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b10 n4->b10 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 2025-09-13T22:46:58.261039 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:757037e0-ae6c-4e1c-95e9-6fc93a2502aa n6->n3 used n9 app:records/1425 n6->n9 used n10 app:records/1426 n6->n10 used n11 app:records/1427 n6->n11 used n12 app:creditreports/402 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-09-13T22:18:28.407000+01:00 prov:endTime 2025-09-13T22:46:58.261000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/402 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-13T22:46:58.261039 pl:reason cs:low_credit_score ann7->n8 n21 app:providers/15 n9->n21 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 "1599.19" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "142.37" %% xsd:float pl:created_at 2025-09-13T22:46:58.258738 ann8->n9 n10->n21 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 "1599.19" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "28.97" %% xsd:float pl:created_at 2025-09-13T22:46:58.259501 ann9->n10 n11->n21 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 "1599.19" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "16.52" %% xsd:float pl:created_at 2025-09-13T22:46:58.260133 ann10->n11 n15 app:providers/1 n12->n15 wasAttributedTo n16 uuid:3d582f2e-b7b6-4c89-84c8-93b7a82892db n12->n16 wasGeneratedBy b13 n12->b13 wasDerivedFrom b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 367 pl:created_at 2025-09-13T22:46:58.252178 ann11->n12 ann12 prov:label Angela Rowley prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/218/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 99 Clarke greens, Cliffordhaven, E8 5RA cs:attr_applicant_name Angela Rowley cs:attr_dob "1986-11-25" %% xsd:date cs:attr_prev_address Studio 07x, Dominic shore, East Adrian, N2J 8XH ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2025-09-13T22:46:58.252000+01:00 prov:endTime 2025-09-13T22:46:58.252000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/1423 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 99 Clarke greens, Cliffordhaven, E8 5RA cs:attr_from_date "2024-08-28" %% xsd:date pl:created_at 2025-09-09T00:00:00 ann17->n18 n19 app:providers/8 ann18 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1424 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 99 Clarke greens, Cliffordhaven, E8 5RA cs:attr_first_confirmed "2025-09-07" %% xsd:date cs:attr_last_confirmed "2025-02-06" %% xsd:date cs:attr_prev_address Studio 07x, Dominic shore, East Adrian, N2J 8XH pl:created_at 2025-09-13T22:46:58.257314 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n9 b5->n10 b6->n11 b7->n12 b8->n3 b9->n5 b9->n7 plan b10->n8 b11->n3 b12->n15 b13->n14 b14->n9 b15->n10 b16->n20 b17->n18 b18->n11