Provenance for Decision #467

Decided on: Oct. 3, 2025, 6:53 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:8b659758-e51c-482a-be82-053cfdbaa907 n3 app:applications/239 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-03T18:33:14.959000+01:00 prov:endTime 2025-10-03T18:53:18.579000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/239 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 76 Adams parkway, Port Samanthaside, FY0 3PA cs:attr_annual_income 114000 cs:attr_applicant_name Stuart Edwards-Rowe cs:attr_dob "1966-07-08" %% xsd:date cs:attr_email_address ballen@example.com cs:attr_emp_length 32 cs:attr_emp_title Printmaker cs:attr_home_ownership 1 cs:attr_phone_number 02074960752 cs:attr_prev_address Studio 3, Kathleen pine, North Kirstytown, W25 8NN pl:created_at 2025-10-03T18:33:14.959828 ann3->n3 n4 app:decisions/467 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2025-10-03T18:53:18.579439 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:09a5e506-304b-445a-ac24-fc940167016a n6->n3 used n8 app:records/1640 n6->n8 used n9 app:records/1638 n6->n9 used n10 app:records/1639 n6->n10 used n12 app:creditreports/467 n6->n12 used n13 app:records/1641 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-10-03T18:33:14.959000+01:00 prov:endTime 2025-10-03T18:53:18.579000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/15 n8->n22 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 "1030.0" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "69.92" %% xsd:float pl:created_at 2025-10-03T18:53:18.577649 ann7->n8 n9->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1030.0" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "71.18" %% xsd:float pl:created_at 2025-10-03T18:53:18.576320 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1030.0" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "50.35" %% xsd:float pl:created_at 2025-10-03T18:53:18.577057 ann9->n10 n11 app:recommendations/467 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-03T18:53:18.579439 pl:reason cs:low_credit_score ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:1fc8e63e-fadb-46ff-b45f-a842e5e3fea5 n12->n17 wasGeneratedBy b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 704 pl:created_at 2025-10-03T18:53:18.569935 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1030.0" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "54.7" %% xsd:float pl:created_at 2025-10-03T18:53:18.578251 ann12->n13 ann13 prov:label Stuart Edwards-Rowe prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/239/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 76 Adams parkway, Port Samanthaside, FY0 3PA cs:attr_applicant_name Stuart Edwards-Rowe cs:attr_dob "1966-07-08" %% xsd:date cs:attr_prev_address Studio 3, Kathleen pine, North Kirstytown, W25 8NN 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 2025-10-03T18:53:18.569000+01:00 prov:endTime 2025-10-03T18:53:18.569000+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/1636 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 76 Adams parkway, Port Samanthaside, FY0 3PA cs:attr_from_date "2025-04-10" %% xsd:date pl:created_at 2025-09-09T00:00:00 ann18->n19 n20 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1637 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 76 Adams parkway, Port Samanthaside, FY0 3PA cs:attr_first_confirmed "2025-09-17" %% xsd:date cs:attr_last_confirmed "2024-12-24" %% xsd:date cs:attr_prev_address Studio 3, Kathleen pine, North Kirstytown, W25 8NN pl:created_at 2025-10-03T18:53:18.574898 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n10 b6->n9 b7->n8 b8->n12 b9->n13 b10->n5 b10->n7 plan b11->n11 b12->n3 b13->n16 b14->n15 b15->n13 b16->n9 b17->n8 b18->n21 b19->n19 b20->n10