Provenance for Decision #412

Decided on: Sept. 15, 2025, 10:31 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:e5b37f40-69dc-4661-8dd1-1890e1d8b870 n3 app:applications/65 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-09-15T22:31:18.830000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n35 app:applicants/65 n3->n35 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_annual_income 104000 cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_email_address vincent95@example.org cs:attr_emp_length 24 cs:attr_emp_title Air cabin crew cs:attr_home_ownership 3 cs:attr_phone_number +443069990490 cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T03:30:13.630186 ann3->n3 n4 app:decisions/412 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b32 n4->b32 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 2025-09-15T22:31:18.830603 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:dd9c3567-e8d1-41f0-903e-200286f57d4b n6->n3 used n7 app:records/1460 n6->n7 used n8 app:records/1227 n6->n8 used n9 app:records/1228 n6->n9 used n10 app:records/538 n6->n10 used n11 app:records/1229 n6->n11 used n12 app:records/539 n6->n12 used n13 app:records/558 n6->n13 used n14 app:records/1367 n6->n14 used n15 app:records/559 n6->n15 used n16 app:records/1368 n6->n16 used n17 app:records/1369 n6->n17 used n18 app:records/557 n6->n18 used n19 app:records/1226 n6->n19 used n20 app:records/398 n6->n20 used n22 app:records/399 n6->n22 used n23 app:records/1309 n6->n23 used n24 app:records/397 n6->n24 used n26 app:records/1310 n6->n26 used n27 app:records/1370 n6->n27 used n28 app:records/1371 n6->n28 used n29 app:creditreports/412 n6->n29 used n30 app:records/1311 n6->n30 used n31 app:records/1312 n6->n31 used n32 app:records/400 n6->n32 used n33 app:records/541 n6->n33 used n34 app:records/540 n6->n34 used b31 n6->b31 wasAssociatedWith ann6 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-09-15T22:31:18.830000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n43 app:providers/14 n7->n43 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 "607.41" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "28.07" %% xsd:float pl:created_at 2025-09-15T22:31:18.829502 ann7->n7 n21 app:models/creditcard_assessment n25 app:recommendations/412 n25->n5 wasAttributedTo n25->n6 wasGeneratedBy b4 n25->b4 wasDerivedFrom b5 n25->b5 wasDerivedFrom b6 n25->b6 wasDerivedFrom b7 n25->b7 wasDerivedFrom b8 n25->b8 wasDerivedFrom b9 n25->b9 wasDerivedFrom b10 n25->b10 wasDerivedFrom b11 n25->b11 wasDerivedFrom b12 n25->b12 wasDerivedFrom b13 n25->b13 wasDerivedFrom b14 n25->b14 wasDerivedFrom b15 n25->b15 wasDerivedFrom b16 n25->b16 wasDerivedFrom b17 n25->b17 wasDerivedFrom b18 n25->b18 wasDerivedFrom b19 n25->b19 wasDerivedFrom b20 n25->b20 wasDerivedFrom b21 n25->b21 wasDerivedFrom b22 n25->b22 wasDerivedFrom b23 n25->b23 wasDerivedFrom b24 n25->b24 wasDerivedFrom b25 n25->b25 wasDerivedFrom b26 n25->b26 wasDerivedFrom b27 n25->b27 wasDerivedFrom b28 n25->b28 wasDerivedFrom b29 n25->b29 wasDerivedFrom b30 n25->b30 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-15T22:31:18.830603 pl:reason cs:low_credit_score ann8->n25 n37 app:providers/1 n29->n37 wasAttributedTo n38 uuid:8943f807-55b3-406e-910b-4b794ab5b017 n29->n38 wasGeneratedBy b34 n29->b34 wasDerivedFrom b36 n29->b36 wasDerivedFrom b37 n29->b37 wasDerivedFrom b38 n29->b38 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 510 pl:created_at 2025-09-15T22:31:18.824736 ann9->n29 ann10 prov:label Kayleigh Robinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n35 n36 app:applications/65/id b33 n36->b33 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT ann11->n36 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n37 n38->n36 used b35 n38->b35 wasAssociatedWith ann13 prov:startTime 2025-09-15T22:31:18.824000+01:00 prov:endTime 2025-09-15T22:31:18.824000+01:00 prov:type cs:SearchingCreditHistory ann13->n38 n39 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n39 n40 app:records/395 n40->n39 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_from_date "2023-05-10" %% xsd:date pl:created_at 2025-03-17T00:00:00 ann15->n40 n41 app:providers/6 ann16 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n41 n42 app:records/396 n42->n41 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_first_confirmed "2025-03-09" %% xsd:date cs:attr_last_confirmed "2024-09-22" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T16:32:32.706852 ann17->n42 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n43 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n18 b5->n3 b6->n34 b7->n19 b8->n13 b9->n9 b10->n28 b11->n27 b12->n8 b13->n30 b14->n31 b15->n33 b16->n23 b17->n7 b18->n15 b19->n29 b20->n17 b21->n22 b22->n32 b23->n20 b24->n16 b25->n10 b26->n12 b27->n14 b28->n24 b29->n26 b30->n11 b31->n5 b31->n21 plan b32->n25 b33->n3 b34->n36 b35->n37 b36->n42 b37->n7 b38->n40