Provenance for Decision #487

Decided on: Oct. 13, 2025, 10:27 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:b2ecd8a1-ccdb-4ad3-8dac-36fd7e66829f n3 app:applications/247 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-13T22:00:56.788000+01:00 prov:endTime 2025-10-13T22:27:45.477000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/247 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 739 Georgina valley, North Maureen, M7 7DW cs:attr_annual_income 26000 cs:attr_applicant_name Scott Dale-Andrews cs:attr_dob "1957-06-11" %% xsd:date cs:attr_email_address pamela52@example.com cs:attr_emp_length 50 cs:attr_emp_title Web designer cs:attr_home_ownership 1 cs:attr_phone_number +44(0)151 4960166 cs:attr_prev_address 1 Jeffrey orchard, Jadeside, AL47 6UG pl:created_at 2025-10-13T22:00:56.788339 ann3->n3 n4 app:decisions/487 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b9 n4->b9 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 2025-10-13T22:27:45.477994 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:4700cb23-a895-4719-b3c5-57cb92998ea8 n6->n3 used n8 app:records/1704 n6->n8 used n10 app:creditreports/487 n6->n10 used n11 app:records/1703 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-10-13T22:00:56.788000+01:00 prov:endTime 2025-10-13T22:27:45.477000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/14 n8->n20 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 "1575.85" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "103.34" %% xsd:float pl:created_at 2025-10-13T22:27:45.477084 ann7->n8 n9 app:recommendations/487 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-13T22:27:45.477994 pl:reason cs:low_credit_score ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:22cd458a-7eb3-4a93-962c-5601e320749a n10->n15 wasGeneratedBy b11 n10->b11 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 108 pl:created_at 2025-10-13T22:27:45.469653 ann9->n10 n11->n20 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 "1575.85" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "82.71" %% xsd:float pl:created_at 2025-10-13T22:27:45.476355 ann10->n11 ann11 prov:label Scott Dale-Andrews prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/247/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 739 Georgina valley, North Maureen, M7 7DW cs:attr_applicant_name Scott Dale-Andrews cs:attr_dob "1957-06-11" %% xsd:date cs:attr_prev_address 1 Jeffrey orchard, Jadeside, AL47 6UG ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2025-10-13T22:27:45.469000+01:00 prov:endTime 2025-10-13T22:27:45.469000+01:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/1701 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 739 Georgina valley, North Maureen, M7 7DW cs:attr_from_date "2024-10-18" %% xsd:date pl:created_at 2025-10-03T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1702 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 739 Georgina valley, North Maureen, M7 7DW cs:attr_first_confirmed "2025-09-29" %% xsd:date cs:attr_last_confirmed "2025-04-13" %% xsd:date cs:attr_prev_address 1 Jeffrey orchard, Jadeside, AL47 6UG pl:created_at 2025-10-13T22:27:45.474943 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n3 b6->n10 b7->n11 b8->n5 b8->n7 plan b9->n9 b10->n3 b11->n13 b12->n14 b13->n19 b14->n8 b15->n11 b16->n17