Provenance for Decision #469

Decided on: Oct. 5, 2025, 8:10 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:04182155-a761-4792-8696-3a3920880ea5 n3 app:applications/65 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-10-05T20:10:08.848000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n40 app:applicants/65 n3->n40 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_annual_income 104000 cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_email_address vincent95@example.org cs:attr_emp_length 24 cs:attr_emp_title Air cabin crew cs:attr_home_ownership 3 cs:attr_phone_number +443069990490 cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T03:30:13.630186 ann3->n3 n4 app:decisions/469 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b37 n4->b37 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 2025-10-05T20:10:08.848012 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:fc5e5f81-8e13-4bc7-9840-42cbbb1fa694 n6->n3 used n7 app:records/1460 n6->n7 used n8 app:records/1227 n6->n8 used n9 app:records/1645 n6->n9 used n10 app:records/1646 n6->n10 used n11 app:records/1228 n6->n11 used n12 app:records/538 n6->n12 used n13 app:records/1647 n6->n13 used n14 app:records/1229 n6->n14 used n15 app:records/539 n6->n15 used n16 app:records/1465 n6->n16 used n17 app:records/558 n6->n17 used n18 app:creditreports/469 n6->n18 used n19 app:records/1466 n6->n19 used n20 app:records/1367 n6->n20 used n21 app:records/559 n6->n21 used n22 app:records/1368 n6->n22 used n23 app:records/1369 n6->n23 used n24 app:records/557 n6->n24 used n25 app:records/1226 n6->n25 used n26 app:records/398 n6->n26 used n28 app:records/399 n6->n28 used n29 app:records/1309 n6->n29 used n30 app:records/397 n6->n30 used n31 app:records/1310 n6->n31 used n32 app:records/1370 n6->n32 used n33 app:records/1371 n6->n33 used n34 app:records/1311 n6->n34 used n35 app:records/1312 n6->n35 used n36 app:records/400 n6->n36 used n37 app:records/541 n6->n37 used n39 app:records/540 n6->n39 used b36 n6->b36 wasAssociatedWith ann6 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2025-10-05T20:10:08.848000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n48 app:providers/14 n9->n48 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 "2182.24" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "198.34" %% xsd:float pl:created_at 2025-10-05T20:10:08.845345 ann7->n9 n10->n48 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 "2182.24" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "68.84" %% xsd:float pl:created_at 2025-10-05T20:10:08.846220 ann8->n10 n13->n48 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 "2182.24" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-05T20:10:08.846845 ann9->n13 n42 app:providers/1 n18->n42 wasAttributedTo n43 uuid:09002ee2-3d5f-4ef0-a931-9b0217e919a2 n18->n43 wasGeneratedBy b39 n18->b39 wasDerivedFrom b41 n18->b41 wasDerivedFrom b42 n18->b42 wasDerivedFrom b43 n18->b43 wasDerivedFrom b44 n18->b44 wasDerivedFrom b45 n18->b45 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 101 pl:created_at 2025-10-05T20:10:08.840824 ann10->n18 n27 app:models/creditcard_assessment n38 app:recommendations/469 n38->n5 wasAttributedTo n38->n6 wasGeneratedBy b4 n38->b4 wasDerivedFrom b5 n38->b5 wasDerivedFrom b6 n38->b6 wasDerivedFrom b7 n38->b7 wasDerivedFrom b8 n38->b8 wasDerivedFrom b9 n38->b9 wasDerivedFrom b10 n38->b10 wasDerivedFrom b11 n38->b11 wasDerivedFrom b12 n38->b12 wasDerivedFrom b13 n38->b13 wasDerivedFrom b14 n38->b14 wasDerivedFrom b15 n38->b15 wasDerivedFrom b16 n38->b16 wasDerivedFrom b17 n38->b17 wasDerivedFrom b18 n38->b18 wasDerivedFrom b19 n38->b19 wasDerivedFrom b20 n38->b20 wasDerivedFrom b21 n38->b21 wasDerivedFrom b22 n38->b22 wasDerivedFrom b23 n38->b23 wasDerivedFrom b24 n38->b24 wasDerivedFrom b25 n38->b25 wasDerivedFrom b26 n38->b26 wasDerivedFrom b27 n38->b27 wasDerivedFrom b28 n38->b28 wasDerivedFrom b29 n38->b29 wasDerivedFrom b30 n38->b30 wasDerivedFrom b31 n38->b31 wasDerivedFrom b32 n38->b32 wasDerivedFrom b33 n38->b33 wasDerivedFrom b34 n38->b34 wasDerivedFrom b35 n38->b35 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-05T20:10:08.848012 pl:reason cs:low_credit_score ann11->n38 ann12 prov:label Kayleigh Robinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n40 n41 app:applications/65/id b38 n41->b38 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT ann13->n41 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n42 n43->n41 used b40 n43->b40 wasAssociatedWith ann15 prov:startTime 2025-10-05T20:10:08.840000+01:00 prov:endTime 2025-10-05T20:10:08.840000+01:00 prov:type cs:SearchingCreditHistory ann15->n43 n44 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n44 n45 app:records/395 n45->n44 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_from_date "2023-05-10" %% xsd:date pl:created_at 2025-03-17T00:00:00 ann17->n45 n46 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n46 n47 app:records/396 n47->n46 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_first_confirmed "2025-03-09" %% xsd:date cs:attr_last_confirmed "2024-09-22" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T16:32:32.706852 ann19->n47 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n48 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n31 b6->n39 b7->n34 b8->n8 b9->n17 b10->n36 b11->n15 b12->n28 b13->n24 b14->n14 b15->n12 b16->n22 b17->n19 b18->n23 b19->n16 b20->n32 b21->n30 b22->n18 b23->n33 b24->n9 b25->n13 b26->n26 b27->n10 b28->n7 b29->n37 b30->n20 b31->n35 b32->n29 b33->n25 b34->n21 b35->n11 b36->n5 b36->n27 plan b37->n38 b38->n3 b39->n41 b40->n42 b41->n9 b42->n10 b43->n13 b44->n47 b45->n45