Provenance for Decision #404

Decided on: Sept. 14, 2025, 5:55 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:4839893f-d3dc-4869-a1a4-277edc13607e n3 app:applications/216 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-09-13T18:44:01.196000+01:00 prov:endTime 2025-09-14T05:55:55.885000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/216 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 31l, Richard vista, Matthewchester, G41 3DQ cs:attr_annual_income 11000 cs:attr_applicant_name Shannon Weston cs:attr_dob "1988-01-08" %% xsd:date cs:attr_email_address jeremysaunders@example.com cs:attr_emp_length 10 cs:attr_emp_title Naval architect cs:attr_home_ownership 1 cs:attr_phone_number +44(0)114 496 0472 cs:attr_prev_address 8 Leonard prairie, New Reece, S82 3LT pl:created_at 2025-09-13T18:44:01.196708 ann3->n3 n4 app:decisions/404 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 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 2025-09-14T05:55:55.885728 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:46364406-f288-4220-b27b-5bcac38a6d5b n6->n3 used n9 app:records/1436 n6->n9 used n10 app:records/1437 n6->n10 used n11 app:records/1438 n6->n11 used n12 app:records/1439 n6->n12 used n13 app:creditreports/404 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-09-13T18:44:01.196000+01:00 prov:endTime 2025-09-14T05:55:55.885000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/404 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 b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-14T05:55:55.885728 pl:reason cs:low_credit_score ann7->n8 n22 app:providers/15 n9->n22 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 "343.52" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "3.76" %% xsd:float pl:created_at 2025-09-14T05:55:55.882929 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "343.52" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-09-14T05:55:55.883660 ann9->n10 n11->n22 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 "343.52" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "18.07" %% xsd:float pl:created_at 2025-09-14T05:55:55.884277 ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "343.52" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "12.62" %% xsd:float pl:created_at 2025-09-14T05:55:55.884849 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:abc37f75-7c7f-443d-8eeb-3b5a8889c34f n13->n17 wasGeneratedBy b14 n13->b14 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 641 pl:created_at 2025-09-14T05:55:55.876271 ann12->n13 ann13 prov:label Shannon Weston prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/216/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 31l, Richard vista, Matthewchester, G41 3DQ cs:attr_applicant_name Shannon Weston cs:attr_dob "1988-01-08" %% xsd:date cs:attr_prev_address 8 Leonard prairie, New Reece, S82 3LT 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 2025-09-14T05:55:55.876000+01:00 prov:endTime 2025-09-14T05:55:55.876000+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/1434 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 31l, Richard vista, Matthewchester, G41 3DQ cs:attr_from_date "2024-06-03" %% xsd:date pl:created_at 2025-09-06T00:00:00 ann18->n19 n20 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1435 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 31l, Richard vista, Matthewchester, G41 3DQ cs:attr_first_confirmed "2025-08-30" %% xsd:date cs:attr_last_confirmed "2025-03-12" %% xsd:date cs:attr_prev_address 8 Leonard prairie, New Reece, S82 3LT pl:created_at 2025-09-14T05:55:55.881386 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n13 b6->n9 b7->n10 b8->n3 b9->n11 b10->n5 b10->n7 plan b11->n8 b12->n3 b13->n16 b14->n15 b15->n10 b16->n9 b17->n21 b18->n12 b19->n19 b20->n11