Provenance for Decision #465

Decided on: Oct. 3, 2025, 12:47 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:9a141a7a-9803-4f11-8dd8-b5a2c7229f2a n3 app:applications/238 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-03T09:33:33.485000+01:00 prov:endTime 2025-10-03T12:47:18.335000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/238 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 78 Harriet highway, Lake Brandon, B0C 2GH cs:attr_annual_income 117000 cs:attr_applicant_name Stacey Wilson-Anderson cs:attr_dob "1983-03-30" %% xsd:date cs:attr_email_address emily84@example.net cs:attr_emp_length 22 cs:attr_emp_title Aeronautical engineer cs:attr_home_ownership 4 cs:attr_phone_number +44(0)113 496 0311 cs:attr_prev_address Flat 40h, Franklin mountains, Stevenston, B8W 5YH pl:created_at 2025-10-03T09:33:33.485395 ann3->n3 n4 app:decisions/465 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 2025-10-03T12:47:18.335798 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:4af8637e-ca29-4213-84fa-3e70c358e38f n6->n3 used n9 app:creditreports/465 n6->n9 used n10 app:records/1630 n6->n10 used n11 app:records/1631 n6->n11 used n12 app:records/1632 n6->n12 used n13 app:records/1633 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-10-03T09:33:33.485000+01:00 prov:endTime 2025-10-03T12:47:18.335000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/465 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 2025-10-03T12:47:18.335798 pl:reason cs:low_credit_score ann7->n8 n16 app:providers/1 n9->n16 wasAttributedTo n17 uuid:eee2a0b4-85e7-4371-a532-6eec50495df1 n9->n17 wasGeneratedBy b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom b19 n9->b19 wasDerivedFrom b20 n9->b20 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 479 pl:created_at 2025-10-03T12:47:18.325192 ann8->n9 n22 app:providers/14 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 "248.53" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-03T12:47:18.332689 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 "248.53" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "11.71" %% xsd:float pl:created_at 2025-10-03T12:47:18.333573 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 "248.53" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "14.05" %% xsd:float pl:created_at 2025-10-03T12:47:18.334266 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "248.53" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-03T12:47:18.334852 ann12->n13 ann13 prov:label Stacey Wilson-Anderson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/238/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 78 Harriet highway, Lake Brandon, B0C 2GH cs:attr_applicant_name Stacey Wilson-Anderson cs:attr_dob "1983-03-30" %% xsd:date cs:attr_prev_address Flat 40h, Franklin mountains, Stevenston, B8W 5YH 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 2025-10-03T12:47:18.325000+01:00 prov:endTime 2025-10-03T12:47:18.325000+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/1628 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 78 Harriet highway, Lake Brandon, B0C 2GH cs:attr_from_date "2024-11-21" %% xsd:date pl:created_at 2025-09-28T00:00:00 ann18->n19 n20 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1629 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 78 Harriet highway, Lake Brandon, B0C 2GH cs:attr_first_confirmed "2025-09-06" %% xsd:date cs:attr_last_confirmed "2025-07-06" %% xsd:date cs:attr_prev_address Flat 40h, Franklin mountains, Stevenston, B8W 5YH pl:created_at 2025-10-03T12:47:18.331257 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n9 b6->n12 b7->n11 b8->n10 b9->n13 b10->n5 b10->n7 plan b11->n8 b12->n3 b13->n16 b14->n15 b15->n21 b16->n13 b17->n11 b18->n10 b19->n19 b20->n12