Provenance for Decision #463

Decided on: Oct. 3, 2025, 8:13 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:3e79c551-a8e4-46bd-9e69-9b8c2f51d433 n3 app:applications/237 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-03T00:11:13.483000+01:00 prov:endTime 2025-10-03T08:13:46.166000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/237 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 57U, Vincent lake, North Naomi, DA4 7PQ cs:attr_annual_income 13000 cs:attr_applicant_name Bernard Pickering cs:attr_dob "1999-01-27" %% xsd:date cs:attr_email_address denis31@example.net cs:attr_emp_length 8 cs:attr_emp_title Environmental health practitioner cs:attr_home_ownership 4 cs:attr_phone_number +44(0)121 4960154 cs:attr_prev_address Studio 27, Christian lock, Port Laura, FY89 6JS pl:created_at 2025-10-03T00:11:13.483855 ann3->n3 n4 app:decisions/463 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2025-10-03T08:13:46.166244 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:f2fbbea7-a098-441e-8148-0a46d6ab3db5 n6->n3 used n8 app:creditreports/463 n6->n8 used n9 app:records/1624 n6->n9 used n10 app:records/1625 n6->n10 used n11 app:records/1626 n6->n11 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-10-03T00:11:13.483000+01:00 prov:endTime 2025-10-03T08:13:46.166000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n15 app:providers/1 n8->n15 wasAttributedTo n16 uuid:38308bd8-bd7c-4791-b573-cd1befb632d6 n8->n16 wasGeneratedBy b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 114 pl:created_at 2025-10-03T08:13:46.157458 ann7->n8 n21 app:providers/14 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 "69.51" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-03T08:13:46.164006 ann8->n9 n10->n21 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 "69.51" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-03T08:13:46.164735 ann9->n10 n11->n21 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 "69.51" %% xsd:float cs:attr_credit_limit "1000.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "1.73" %% xsd:float pl:created_at 2025-10-03T08:13:46.165348 ann10->n11 n12 app:recommendations/463 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-03T08:13:46.166244 pl:reason cs:low_credit_score ann11->n12 ann12 prov:label Bernard Pickering prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/237/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 57U, Vincent lake, North Naomi, DA4 7PQ cs:attr_applicant_name Bernard Pickering cs:attr_dob "1999-01-27" %% xsd:date cs:attr_prev_address Studio 27, Christian lock, Port Laura, FY89 6JS ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2025-10-03T08:13:46.157000+01:00 prov:endTime 2025-10-03T08:13:46.157000+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/1622 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 57U, Vincent lake, North Naomi, DA4 7PQ cs:attr_from_date "2023-10-10" %% xsd:date pl:created_at 2025-09-22T00:00:00 ann17->n18 n19 app:providers/3 ann18 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1623 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 57U, Vincent lake, North Naomi, DA4 7PQ cs:attr_first_confirmed "2025-09-16" %% xsd:date cs:attr_last_confirmed "2025-04-28" %% xsd:date cs:attr_prev_address Studio 27, Christian lock, Port Laura, FY89 6JS pl:created_at 2025-10-03T08:13:46.162586 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n10 b5->n9 b6->n8 b7->n11 b8->n3 b9->n5 b9->n7 plan b10->n12 b11->n3 b12->n15 b13->n14 b14->n11 b15->n10 b16->n20 b17->n9 b18->n18