Provenance for Decision #501

Decided on: Oct. 18, 2025, 8:11 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:e31fdfe4-c806-4a02-8122-cf7200b62011 n4 app:applications/252 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-18T19:45:00.267000+01:00 prov:endTime 2025-10-18T20:11:59.881000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/501 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b9 n3->b9 wasDerivedFrom ann3 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2025-10-18T20:11:59.881466 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/252 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 6, Patel passage, New Jemma, S5B 3UX cs:attr_annual_income 110000 cs:attr_applicant_name Joanne Dawson-Garner cs:attr_dob "1952-12-22" %% xsd:date cs:attr_email_address vmitchell@example.org cs:attr_emp_length 51 cs:attr_emp_title Sports development officer cs:attr_home_ownership 3 cs:attr_phone_number 020 7946 0324 cs:attr_prev_address 73 Matthew oval, East Gemmahaven, LU3 6AB pl:created_at 2025-10-18T19:45:00.267245 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:1d27144c-1f82-42d9-b9fd-97651bde2cd2 n6->n4 used n8 app:records/1748 n6->n8 used n10 app:records/1747 n6->n10 used n11 app:creditreports/501 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-10-18T19:45:00.267000+01:00 prov:endTime 2025-10-18T20:11:59.881000+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 "1781.16" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "159.97" %% xsd:float pl:created_at 2025-10-18T20:11:59.880600 ann7->n8 n9 app:recommendations/501 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 2025-10-18T20:11:59.881466 pl:reason cs:low_credit_score ann8->n9 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 "1781.16" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "21.42" %% xsd:float pl:created_at 2025-10-18T20:11:59.879883 ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:af146b78-e37b-4ac9-b310-5d6fb3d93bb5 n11->n15 wasGeneratedBy b11 n11->b11 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 674 pl:created_at 2025-10-18T20:11:59.873683 ann10->n11 ann11 prov:label Joanne Dawson-Garner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/252/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 6, Patel passage, New Jemma, S5B 3UX cs:attr_applicant_name Joanne Dawson-Garner cs:attr_dob "1952-12-22" %% xsd:date cs:attr_prev_address 73 Matthew oval, East Gemmahaven, LU3 6AB 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 2025-10-18T20:11:59.873000+01:00 prov:endTime 2025-10-18T20:11:59.873000+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/1745 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 6, Patel passage, New Jemma, S5B 3UX cs:attr_from_date "2023-05-08" %% xsd:date pl:created_at 2025-09-28T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1746 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 6, Patel passage, New Jemma, S5B 3UX cs:attr_first_confirmed "2025-09-21" %% xsd:date cs:attr_last_confirmed "2025-09-04" %% xsd:date cs:attr_prev_address 73 Matthew oval, East Gemmahaven, LU3 6AB pl:created_at 2025-10-18T20:11:59.878499 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n11 b6->n10 b7->n4 b8->n5 b8->n7 plan b9->n9 b10->n4 b11->n13 b12->n14 b13->n19 b14->n10 b15->n8 b16->n17