Provenance for Decision #413

Decided on: Sept. 17, 2025, 12:32 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:1cdd17af-f641-42c2-9f4e-00132841a5f1 n3 app:applications/125 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2025-09-17T00:32:20.179000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n25 app:applicants/125 n3->n25 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_annual_income 17000 cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_email_address chambersjames@example.com cs:attr_emp_length 4 cs:attr_emp_title Insurance underwriter cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1314960556 cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-25T19:57:55.598518 ann3->n3 n4 app:decisions/413 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b22 n4->b22 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 2025-09-17T00:32:20.179068 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:b98921dc-f2c8-4001-a552-fb156ca03e48 n6->n3 used n7 app:records/1461 n6->n7 used n8 app:records/1292 n6->n8 used n9 app:records/806 n6->n9 used n10 app:records/807 n6->n10 used n11 app:records/804 n6->n11 used n12 app:records/1348 n6->n12 used n13 app:records/805 n6->n13 used n14 app:records/1349 n6->n14 used n15 app:records/1289 n6->n15 used n16 app:creditreports/413 n6->n16 used n17 app:records/1346 n6->n17 used n18 app:records/1445 n6->n18 used n19 app:records/1347 n6->n19 used n20 app:records/1446 n6->n20 used n23 app:records/1290 n6->n23 used n24 app:records/1291 n6->n24 used b21 n6->b21 wasAssociatedWith ann6 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2025-09-17T00:32:20.179000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n33 app:providers/15 n7->n33 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 "1161.1" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "49.35" %% xsd:float pl:created_at 2025-09-17T00:32:20.177906 ann7->n7 n27 app:providers/1 n16->n27 wasAttributedTo n28 uuid:beaabb40-031e-490d-8f16-002c5c756839 n16->n28 wasGeneratedBy b24 n16->b24 wasDerivedFrom b26 n16->b26 wasDerivedFrom b27 n16->b27 wasDerivedFrom b28 n16->b28 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 521 pl:created_at 2025-09-17T00:32:20.173209 ann8->n16 n21 app:models/creditcard_assessment n22 app:recommendations/413 n22->n5 wasAttributedTo n22->n6 wasGeneratedBy b4 n22->b4 wasDerivedFrom b5 n22->b5 wasDerivedFrom b6 n22->b6 wasDerivedFrom b7 n22->b7 wasDerivedFrom b8 n22->b8 wasDerivedFrom b9 n22->b9 wasDerivedFrom b10 n22->b10 wasDerivedFrom b11 n22->b11 wasDerivedFrom b12 n22->b12 wasDerivedFrom b13 n22->b13 wasDerivedFrom b14 n22->b14 wasDerivedFrom b15 n22->b15 wasDerivedFrom b16 n22->b16 wasDerivedFrom b17 n22->b17 wasDerivedFrom b18 n22->b18 wasDerivedFrom b19 n22->b19 wasDerivedFrom b20 n22->b20 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-09-17T00:32:20.179068 pl:reason cs:low_credit_score ann9->n22 ann10 prov:label Margaret Byrne prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n25 n26 app:applications/125/id b23 n26->b23 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW ann11->n26 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n27 n28->n26 used b25 n28->b25 wasAssociatedWith ann13 prov:startTime 2025-09-17T00:32:20.173000+01:00 prov:endTime 2025-09-17T00:32:20.173000+01:00 prov:type cs:SearchingCreditHistory ann13->n28 n29 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n29 n30 app:records/802 n30->n29 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_from_date "2025-01-12" %% xsd:date pl:created_at 2025-06-04T00:00:00 ann15->n30 n31 app:providers/12 ann16 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n31 n32 app:records/803 n32->n31 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_first_confirmed "2025-06-01" %% xsd:date cs:attr_last_confirmed "2025-02-05" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-27T14:05:01.250383 ann17->n32 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n33 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n23 b5->n8 b6->n19 b7->n12 b8->n11 b9->n24 b10->n14 b11->n15 b12->n10 b13->n3 b14->n9 b15->n17 b16->n18 b17->n20 b18->n7 b19->n16 b20->n13 b21->n5 b21->n21 plan b22->n22 b23->n3 b24->n26 b25->n27 b26->n32 b27->n7 b28->n30