Provenance for Decision #518

Decided on: Oct. 29, 2025, 9:22 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:fbb89eff-51e3-4da8-a724-1d79097f5aab n4 app:applications/260 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-29T09:21:57.392000+00:00 prov:endTime 2025-10-29T09:22:06.103000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/518 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b10 n3->b10 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 2025-10-29T09:22:06.103559 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/260 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 95 Nicole street, Aimeechester, TN3N 3PE cs:attr_annual_income 37000 cs:attr_applicant_name Eileen Rees cs:attr_dob "1965-07-15" %% xsd:date cs:attr_email_address paulineriley@example.net cs:attr_emp_length 34 cs:attr_emp_title Transport planner cs:attr_home_ownership 1 cs:attr_phone_number (0191)4960072 cs:attr_prev_address 69 Smith manors, Lake Joshuafort, S2K 6EP pl:created_at 2025-10-29T09:21:57.392846 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:38e30e71-b98d-4d95-bee6-8ac7eb116ce6 n6->n4 used n7 app:records/1807 n6->n7 used n8 app:records/1808 n6->n8 used n9 app:creditreports/518 n6->n9 used n12 app:records/1806 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-10-29T09:21:57.392000+00:00 prov:endTime 2025-10-29T09:22:06.103000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/15 n7->n21 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 "1018.8" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "14.31" %% xsd:float pl:created_at 2025-10-29T09:22:06.102115 ann7->n7 n8->n21 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 "1018.8" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-29T09:22:06.102690 ann8->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:8fcb9076-76a7-4de8-8227-104b44c369e5 n9->n16 wasGeneratedBy b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 585 pl:created_at 2025-10-29T09:22:06.094818 ann9->n9 n10 app:models/creditcard_assessment n11 app:recommendations/518 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-29T09:22:06.103559 pl:reason cs:low_credit_score 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 "1018.8" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-29T09:22:06.101355 ann11->n12 ann12 prov:label Eileen Rees prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/260/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 95 Nicole street, Aimeechester, TN3N 3PE cs:attr_applicant_name Eileen Rees cs:attr_dob "1965-07-15" %% xsd:date cs:attr_prev_address 69 Smith manors, Lake Joshuafort, S2K 6EP ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2025-10-29T09:22:06.094000+00:00 prov:endTime 2025-10-29T09:22:06.094000+00:00 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/1804 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 95 Nicole street, Aimeechester, TN3N 3PE cs:attr_from_date "2023-06-09" %% xsd:date pl:created_at 2025-10-08T00:00:00 ann17->n18 n19 app:providers/13 ann18 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1805 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 95 Nicole street, Aimeechester, TN3N 3PE cs:attr_first_confirmed "2025-10-11" %% xsd:date cs:attr_last_confirmed "2025-01-17" %% xsd:date cs:attr_prev_address 69 Smith manors, Lake Joshuafort, S2K 6EP pl:created_at 2025-10-29T09:22:06.099969 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n4 b5->n12 b6->n8 b7->n9 b8->n7 b9->n5 b9->n10 plan b10->n11 b11->n4 b12->n15 b13->n14 b14->n18 b15->n8 b16->n20 b17->n7 b18->n12