Provenance for Decision #504

Decided on: Oct. 19, 2025, 8:24 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:a8a32f34-ba00-40a2-830d-5c43c85a175c n4 app:applications/253 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-19T05:26:59.848000+01:00 prov:endTime 2025-10-19T20:24:48.945000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/504 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b8 n3->b8 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 2025-10-19T20:24:48.945081 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/253 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 01 Tony land, Connorberg, JE8H 5QR cs:attr_annual_income 64000 cs:attr_applicant_name Jill Watson cs:attr_dob "1970-11-25" %% xsd:date cs:attr_email_address antony76@example.org cs:attr_emp_length 19 cs:attr_emp_title Editor, magazine features cs:attr_home_ownership 3 cs:attr_phone_number +44(0)161 4960235 cs:attr_prev_address Flat 7, Wright trace, Port Owenberg, E8K 1PF pl:created_at 2025-10-19T05:26:59.848253 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:e5794f65-0182-44b9-8a54-18526df7147b n6->n4 used n8 app:records/1759 n6->n8 used n10 app:creditreports/504 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2025-10-19T05:26:59.848000+01:00 prov:endTime 2025-10-19T20:24:48.945000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n19 app:providers/14 n8->n19 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 "514.26" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "49.15" %% xsd:float pl:created_at 2025-10-19T20:24:48.944134 ann7->n8 n9 app:recommendations/504 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-19T20:24:48.945081 pl:reason cs:low_credit_score ann8->n9 n13 app:providers/1 n10->n13 wasAttributedTo n14 uuid:9a59fbd4-ba7b-4754-b9b4-5213517740eb n10->n14 wasGeneratedBy b10 n10->b10 wasDerivedFrom b12 n10->b12 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 424 pl:created_at 2025-10-19T20:24:48.938189 ann9->n10 ann10 prov:label Jill Watson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/253/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 01 Tony land, Connorberg, JE8H 5QR cs:attr_applicant_name Jill Watson cs:attr_dob "1970-11-25" %% xsd:date cs:attr_prev_address Flat 7, Wright trace, Port Owenberg, E8K 1PF ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2025-10-19T20:24:48.938000+01:00 prov:endTime 2025-10-19T20:24:48.938000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/1757 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 01 Tony land, Connorberg, JE8H 5QR cs:attr_from_date "2024-11-17" %% xsd:date pl:created_at 2025-10-11T00:00:00 ann15->n16 n17 app:providers/7 ann16 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/1758 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 01 Tony land, Connorberg, JE8H 5QR cs:attr_first_confirmed "2025-10-14" %% xsd:date cs:attr_last_confirmed "2025-02-20" %% xsd:date cs:attr_prev_address Flat 7, Wright trace, Port Owenberg, E8K 1PF pl:created_at 2025-10-19T20:24:48.942721 ann17->n18 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n10 b5->n4 b6->n8 b7->n5 b7->n7 plan b8->n9 b9->n4 b10->n12 b11->n13 b12->n18 b13->n8 b14->n16