Provenance for Decision #497

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:47e79f75-057d-469b-8205-77c250ad6c84 n3 app:applications/248 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-14T10:45:53.118000+01:00 prov:endTime 2025-10-16T00:27:34.527000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/248 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 42 Morton lodge, Farmerport, ME92 7EP cs:attr_annual_income 37000 cs:attr_applicant_name Julia Davies cs:attr_dob "1950-05-06" %% xsd:date cs:attr_email_address hyoung@example.net cs:attr_emp_length 45 cs:attr_emp_title Radiographer, therapeutic cs:attr_home_ownership 1 cs:attr_phone_number +44(0)909 8790220 cs:attr_prev_address 703 Terry fort, New Billy, ZE71 0AD pl:created_at 2025-10-14T10:45:53.118310 ann3->n3 n4 app:decisions/497 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2025-10-16T00:27:34.527367 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:370c36d6-fcb8-486c-bac7-6f774d06d872 n6->n3 used n8 app:records/1737 n6->n8 used n9 app:creditreports/497 n6->n9 used n11 app:records/1735 n6->n11 used n12 app:records/1736 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-10-14T10:45:53.118000+01:00 prov:endTime 2025-10-16T00:27:34.527000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n21 app:providers/14 n8->n21 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 "161.37" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-16T00:27:34.526490 ann7->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:7fbd1b73-8f3c-492a-8924-9cb0fe7c8b28 n9->n16 wasGeneratedBy b12 n9->b12 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 673 pl:created_at 2025-10-16T00:27:34.518938 ann8->n9 n10 app:recommendations/497 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-16T00:27:34.527367 pl:reason cs:low_credit_score ann9->n10 n11->n21 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 "161.37" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-16T00:27:34.525176 ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "161.37" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-16T00:27:34.525894 ann11->n12 ann12 prov:label Julia Davies prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/248/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 42 Morton lodge, Farmerport, ME92 7EP cs:attr_applicant_name Julia Davies cs:attr_dob "1950-05-06" %% xsd:date cs:attr_prev_address 703 Terry fort, New Billy, ZE71 0AD ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-10-16T00:27:34.518000+01:00 prov:endTime 2025-10-16T00:27:34.518000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/1733 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 42 Morton lodge, Farmerport, ME92 7EP cs:attr_from_date "2025-04-30" %% xsd:date pl:created_at 2025-09-26T00:00:00 ann17->n18 n19 app:providers/5 ann18 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1734 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 42 Morton lodge, Farmerport, ME92 7EP cs:attr_first_confirmed "2025-10-08" %% xsd:date cs:attr_last_confirmed "2025-03-09" %% xsd:date cs:attr_prev_address 703 Terry fort, New Billy, ZE71 0AD pl:created_at 2025-10-16T00:27:34.523801 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n8 b6->n9 b7->n11 b8->n3 b9->n5 b9->n7 plan b10->n10 b11->n3 b12->n14 b13->n15 b14->n20 b15->n8 b16->n12 b17->n11 b18->n18