Provenance for Decision #511

Decided on: Oct. 24, 2025, 7:38 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:9add04b0-b876-44a2-8296-a136880a9af0 n4 app:applications/254 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-21T23:18:27.614000+01:00 prov:endTime 2025-10-24T07:38:42.531000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/511 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 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 2025-10-24T07:38:42.531882 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/254 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 90g, Joan knolls, Jacksonfort, E03 2SA cs:attr_annual_income 69000 cs:attr_applicant_name Joe Barnes cs:attr_dob "1989-07-15" %% xsd:date cs:attr_email_address jmann@example.net cs:attr_emp_length 5 cs:attr_emp_title Media planner cs:attr_home_ownership 3 cs:attr_phone_number +44115 4960697 cs:attr_prev_address Flat 0, Leanne fords, Chapmanland, BD58 0LG pl:created_at 2025-10-21T23:18:27.614628 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:0761ea21-3292-41b2-8791-245a23d89ecc n6->n4 used n7 app:records/1780 n6->n7 used n8 app:records/1781 n6->n8 used n9 app:records/1782 n6->n9 used n11 app:records/1779 n6->n11 used n13 app:creditreports/511 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-10-21T23:18:27.614000+01:00 prov:endTime 2025-10-24T07:38:42.531000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/14 n7->n22 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 "805.32" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "52.71" %% xsd:float pl:created_at 2025-10-24T07:38:42.529819 ann7->n7 n8->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "805.32" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-24T07:38:42.530409 ann8->n8 n9->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "805.32" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-24T07:38:42.530985 ann9->n9 n10 app:models/creditcard_assessment n11->n22 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 "805.32" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "75.02" %% xsd:float pl:created_at 2025-10-24T07:38:42.529081 ann10->n11 n12 app:recommendations/511 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-24T07:38:42.531882 pl:reason cs:low_credit_score ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:93498829-bc5b-44c3-aad1-96fe536fc85e n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 659 pl:created_at 2025-10-24T07:38:42.522651 ann12->n13 ann13 prov:label Joe Barnes prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/254/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 90g, Joan knolls, Jacksonfort, E03 2SA cs:attr_applicant_name Joe Barnes cs:attr_dob "1989-07-15" %% xsd:date cs:attr_prev_address Flat 0, Leanne fords, Chapmanland, BD58 0LG ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2025-10-24T07:38:42.522000+01:00 prov:endTime 2025-10-24T07:38:42.522000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/1777 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 90g, Joan knolls, Jacksonfort, E03 2SA cs:attr_from_date "2025-01-03" %% xsd:date pl:created_at 2025-09-29T00:00:00 ann18->n19 n20 app:providers/13 ann19 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1778 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 90g, Joan knolls, Jacksonfort, E03 2SA cs:attr_first_confirmed "2025-10-06" %% xsd:date cs:attr_last_confirmed "2024-10-30" %% xsd:date cs:attr_prev_address Flat 0, Leanne fords, Chapmanland, BD58 0LG pl:created_at 2025-10-24T07:38:42.527642 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n4 b5->n13 b6->n11 b7->n7 b8->n8 b9->n9 b10->n5 b10->n10 plan b11->n12 b12->n4 b13->n15 b14->n16 b15->n7 b16->n19 b17->n8 b18->n9 b19->n21 b20->n11