Provenance for Decision #411

Decided on: Sept. 15, 2025, 4:50 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:bc55ba70-809b-4c0c-926d-2725dbf01e0b n3 app:applications/219 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-09-15T15:15:56.232000+01:00 prov:endTime 2025-09-15T16:50:12.579000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/219 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 6 Darren land, Lake Henry, SG4Y 1PP cs:attr_annual_income 72000 cs:attr_applicant_name Megan Hudson cs:attr_dob "1971-12-10" %% xsd:date cs:attr_email_address samantha16@example.org cs:attr_emp_length 32 cs:attr_emp_title Bonds trader cs:attr_home_ownership 3 cs:attr_phone_number +44306 9990558 cs:attr_prev_address Flat 1, Parry squares, Michaelfort, E6 1BL pl:created_at 2025-09-15T15:15:56.232999 ann3->n3 n4 app:decisions/411 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 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 2025-09-15T16:50:12.579753 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:6c59aaaf-3e6e-461f-94a8-9ca9eed6a56f n6->n3 used n8 app:records/1458 n6->n8 used n9 app:records/1459 n6->n9 used n10 app:creditreports/411 n6->n10 used n12 app:records/1457 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-09-15T15:15:56.232000+01:00 prov:endTime 2025-09-15T16:50:12.579000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n21 app:providers/14 n8->n21 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 "168.79" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-09-15T16:50:12.578290 ann7->n8 n9->n21 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 "168.79" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-09-15T16:50:12.578889 ann8->n9 n15 app:providers/1 n10->n15 wasAttributedTo n16 uuid:5f19b832-a974-44a7-aa19-af868626953e n10->n16 wasGeneratedBy b12 n10->b12 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 427 pl:created_at 2025-09-15T16:50:12.571234 ann9->n10 n11 app:recommendations/411 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-15T16:50:12.579753 pl:reason cs:low_credit_score ann10->n11 n12->n21 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 "168.79" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "11.28" %% xsd:float pl:created_at 2025-09-15T16:50:12.577572 ann11->n12 ann12 prov:label Megan Hudson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/219/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 6 Darren land, Lake Henry, SG4Y 1PP cs:attr_applicant_name Megan Hudson cs:attr_dob "1971-12-10" %% xsd:date cs:attr_prev_address Flat 1, Parry squares, Michaelfort, E6 1BL ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-09-15T16:50:12.571000+01:00 prov:endTime 2025-09-15T16:50:12.571000+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/1455 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 6 Darren land, Lake Henry, SG4Y 1PP cs:attr_from_date "2025-09-05" %% xsd:date pl:created_at 2025-09-13T00:00:00 ann17->n18 n19 app:providers/10 ann18 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1456 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 6 Darren land, Lake Henry, SG4Y 1PP cs:attr_first_confirmed "2025-08-16" %% xsd:date cs:attr_last_confirmed "2025-03-13" %% xsd:date cs:attr_prev_address Flat 1, Parry squares, Michaelfort, E6 1BL pl:created_at 2025-09-15T16:50:12.576181 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n12 b6->n10 b7->n9 b8->n8 b9->n5 b9->n7 plan b10->n11 b11->n3 b12->n14 b13->n15 b14->n8 b15->n18 b16->n9 b17->n20 b18->n12