Provenance for Decision #466

Decided on: Oct. 3, 2025, 1:15 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:cc12779d-fe66-411f-bd98-d5fcab747c34 n3 app:applications/236 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-09-30T14:27:20.034000+01:00 prov:endTime 2025-10-03T13:15:58.938000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n17 app:applicants/236 n3->n17 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 07V, Gary route, Faulknerstad, HP44 4YT cs:attr_annual_income 125000 cs:attr_applicant_name Megan Chamberlain cs:attr_dob "1989-08-15" %% xsd:date cs:attr_email_address braysamuel@example.com cs:attr_emp_length 3 cs:attr_emp_title Museum/gallery exhibitions officer cs:attr_home_ownership 1 cs:attr_phone_number 01154960908 cs:attr_prev_address Flat 16G, Daniel streets, Mandyview, GL4N 4GY pl:created_at 2025-09-30T14:27:20.034700 ann3->n3 n4 app:decisions/466 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b14 n4->b14 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 2025-10-03T13:15:58.938964 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:9e458800-f2cc-4a2a-8415-3b3117e0075d n6->n3 used n8 app:records/1618 n6->n8 used n9 app:records/1619 n6->n9 used n10 app:records/1634 n6->n10 used n11 app:records/1635 n6->n11 used n12 app:creditreports/466 n6->n12 used n14 app:records/1615 n6->n14 used n15 app:records/1620 n6->n15 used n16 app:records/1621 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2025-09-30T14:27:20.034000+01:00 prov:endTime 2025-10-03T13:15:58.938000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n25 app:providers/15 n10->n25 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 "463.78" %% xsd:float cs:attr_credit_limit "2000.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-03T13:15:58.937229 ann7->n10 n11->n25 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 "463.78" %% xsd:float cs:attr_credit_limit "2000.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-03T13:15:58.938055 ann8->n11 n19 app:providers/1 n12->n19 wasAttributedTo n20 uuid:68606fb8-b0fa-4de7-9e2c-e6ff44b4fc82 n12->n20 wasGeneratedBy b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom b21 n12->b21 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 305 pl:created_at 2025-10-03T13:15:58.933028 ann9->n12 n13 app:recommendations/466 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b4 n13->b4 wasDerivedFrom b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom b10 n13->b10 wasDerivedFrom b11 n13->b11 wasDerivedFrom b12 n13->b12 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-03T13:15:58.938964 pl:reason cs:low_credit_score ann10->n13 ann11 prov:label Megan Chamberlain prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n17 n18 app:applications/236/id b15 n18->b15 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 07V, Gary route, Faulknerstad, HP44 4YT cs:attr_applicant_name Megan Chamberlain cs:attr_dob "1989-08-15" %% xsd:date cs:attr_prev_address Flat 16G, Daniel streets, Mandyview, GL4N 4GY ann12->n18 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n19 n20->n18 used b16 n20->b16 wasAssociatedWith ann14 prov:startTime 2025-10-03T13:15:58.933000+01:00 prov:endTime 2025-10-03T13:15:58.933000+01:00 prov:type cs:SearchingCreditHistory ann14->n20 n21 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n21 n22 app:records/1613 n22->n21 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 07V, Gary route, Faulknerstad, HP44 4YT cs:attr_from_date "2023-12-10" %% xsd:date pl:created_at 2025-09-07T00:00:00 ann16->n22 n23 app:providers/11 ann17 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n23 n24 app:records/1614 n24->n23 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 07V, Gary route, Faulknerstad, HP44 4YT cs:attr_first_confirmed "2025-09-22" %% xsd:date cs:attr_last_confirmed "2025-06-21" %% xsd:date cs:attr_prev_address Flat 16G, Daniel streets, Mandyview, GL4N 4GY pl:created_at 2025-10-03T04:11:05.438557 ann18->n24 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n25 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n15 b6->n9 b7->n12 b8->n14 b9->n8 b10->n3 b11->n11 b12->n16 b13->n5 b13->n7 plan b14->n13 b15->n3 b16->n19 b17->n18 b18->n24 b19->n10 b20->n11 b21->n22