Provenance for Decision #496

Decided on: Oct. 16, 2025, 12:27 a.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:73055704-cac3-4c34-9555-0610d8f14e72 n3 app:applications/249 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-15T20:32:47.725000+01:00 prov:endTime 2025-10-16T00:27:30.356000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/249 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_annual_income 120000 cs:attr_applicant_name Darren Gardner cs:attr_dob "1977-10-21" %% xsd:date cs:attr_email_address kate33@example.org cs:attr_emp_length 29 cs:attr_emp_title Media planner cs:attr_home_ownership 3 cs:attr_phone_number 0131 496 0036 cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU pl:created_at 2025-10-15T20:32:47.725508 ann3->n3 n4 app:decisions/496 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 2025-10-16T00:27:30.356800 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:a22a655d-8e2b-4475-a02a-f49033bc3c70 n6->n3 used n8 app:creditreports/496 n6->n8 used n10 app:records/1731 n6->n10 used n11 app:records/1732 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-10-15T20:32:47.725000+01:00 prov:endTime 2025-10-16T00:27:30.356000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n14 app:providers/1 n8->n14 wasAttributedTo n15 uuid:2d73fd75-f2b4-4c0a-9dcf-7e72de6806fa n8->n15 wasGeneratedBy b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 310 pl:created_at 2025-10-16T00:27:30.348453 ann7->n8 n9 app:recommendations/496 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 2025-10-16T00:27:30.356800 pl:reason cs:low_credit_score ann8->n9 n20 app:providers/15 n10->n20 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 "1281.88" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "60.45" %% xsd:float pl:created_at 2025-10-16T00:27:30.354983 ann9->n10 n11->n20 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1281.88" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-16T00:27:30.355742 ann10->n11 ann11 prov:label Darren Gardner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/249/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_applicant_name Darren Gardner cs:attr_dob "1977-10-21" %% xsd:date cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2025-10-16T00:27:30.348000+01:00 prov:endTime 2025-10-16T00:27:30.348000+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/1729 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_from_date "2023-07-15" %% xsd:date pl:created_at 2025-09-23T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1730 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_first_confirmed "2025-09-17" %% xsd:date cs:attr_last_confirmed "2025-03-13" %% xsd:date cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU pl:created_at 2025-10-16T00:27:30.353529 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n10 b6->n11 b7->n3 b8->n5 b8->n7 plan b9->n9 b10->n3 b11->n14 b12->n13 b13->n19 b14->n10 b15->n11 b16->n17