Provenance for Decision #403

Decided on: Sept. 14, 2025, 12:35 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:4b6e0465-a6d4-43d7-a645-9e4f7fd4749a n3 app:applications/217 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-09-13T21:02:37.590000+01:00 prov:endTime 2025-09-14T00:35:23.316000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/217 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 65c, Jennings haven, Josephineside, CV4W 8EZ cs:attr_annual_income 47000 cs:attr_applicant_name Anna Blackburn cs:attr_dob "1976-10-03" %% xsd:date cs:attr_email_address kgeorge@example.net cs:attr_emp_length 26 cs:attr_emp_title Engineer, civil (contracting) cs:attr_home_ownership 1 cs:attr_phone_number (0118) 496 0221 cs:attr_prev_address Studio 83, Morgan trace, Port Cherylland, TQ0 4FB pl:created_at 2025-09-13T21:02:37.590095 ann3->n3 n4 app:decisions/403 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b11 n4->b11 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 2025-09-14T00:35:23.316637 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:ee61230c-0713-4fd7-9922-813c74bb69f6 n6->n3 used n7 app:records/1430 n6->n7 used n9 app:records/1431 n6->n9 used n11 app:records/1432 n6->n11 used n12 app:creditreports/403 n6->n12 used n13 app:records/1433 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-09-13T21:02:37.590000+01:00 prov:endTime 2025-09-14T00:35:23.316000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 n7->n22 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1871.47" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "165.48" %% xsd:float pl:created_at 2025-09-14T00:35:23.313822 ann7->n7 n8 app:models/creditcard_assessment n9->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1871.47" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-09-14T00:35:23.314561 ann8->n9 n10 app:recommendations/403 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom b9 n10->b9 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-14T00:35:23.316637 pl:reason cs:low_credit_score ann9->n10 n11->n22 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 "1871.47" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-09-14T00:35:23.315157 ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:adcba3af-b9ec-4e37-8855-8ae391536e13 n12->n17 wasGeneratedBy b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 374 pl:created_at 2025-09-14T00:35:23.307370 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1871.47" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "70.67" %% xsd:float pl:created_at 2025-09-14T00:35:23.315713 ann12->n13 ann13 prov:label Anna Blackburn prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/217/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 65c, Jennings haven, Josephineside, CV4W 8EZ cs:attr_applicant_name Anna Blackburn cs:attr_dob "1976-10-03" %% xsd:date cs:attr_prev_address Studio 83, Morgan trace, Port Cherylland, TQ0 4FB ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2025-09-14T00:35:23.307000+01:00 prov:endTime 2025-09-14T00:35:23.307000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/1428 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 65c, Jennings haven, Josephineside, CV4W 8EZ cs:attr_from_date "2025-05-13" %% xsd:date pl:created_at 2025-08-20T00:00:00 ann18->n19 n20 app:providers/3 ann19 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1429 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 65c, Jennings haven, Josephineside, CV4W 8EZ cs:attr_first_confirmed "2025-09-05" %% xsd:date cs:attr_last_confirmed "2024-10-30" %% xsd:date cs:attr_prev_address Studio 83, Morgan trace, Port Cherylland, TQ0 4FB pl:created_at 2025-09-14T00:35:23.312389 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n7 b5->n12 b6->n3 b7->n11 b8->n9 b9->n13 b10->n5 b10->n8 plan b11->n10 b12->n3 b13->n16 b14->n15 b15->n9 b16->n19 b17->n11 b18->n21 b19->n13 b20->n7