Provenance for Decision #520

Decided on: Nov. 30, 2022, 6:43 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:49e0bde4-aff7-4a73-8350-f4f55a77c7ad n3 app:applications/261 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-11-29T16:58:27.919000+00:00 prov:endTime 2022-11-30T18:43:44.235000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/261 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 2 Rosie harbors, West Philipstad, NW5P 3RE cs:attr_annual_income 18000 cs:attr_applicant_name Marion Wright cs:attr_dob "1984-01-22" %% xsd:date cs:attr_email_address lambertconnor@example.net cs:attr_emp_length 12 cs:attr_emp_title Commercial horticulturist cs:attr_home_ownership 3 cs:attr_phone_number 01134960703 cs:attr_prev_address Studio 53, Annette orchard, West Anne, WS31 0ZN pl:created_at 2022-11-29T16:58:27.919315 ann3->n3 n4 app:decisions/520 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2022-11-30T18:43:44.235841 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:40da7a27-946a-43f6-aa89-bbd809fd0a36 n6->n3 used n7 app:records/1808 n6->n7 used n8 app:records/1809 n6->n8 used n10 app:records/1810 n6->n10 used n12 app:creditreports/520 n6->n12 used n13 app:records/1811 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2022-11-29T16:58:27.919000+00:00 prov:endTime 2022-11-30T18:43:44.235000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 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 "1467.02" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month May-2022 cs:attr_payment_amount "142.99" %% xsd:float pl:created_at 2022-11-30T18:43:44.221447 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 "1467.02" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jul-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-11-30T18:43:44.230606 ann8->n8 n9 app:models/creditcard_assessment n10->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 "1467.02" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Mar-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-11-30T18:43:44.232079 ann9->n10 n11 app:recommendations/520 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 b9 n11->b9 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-11-30T18:43:44.235841 pl:reason cs:low_credit_score ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:b23f0f22-9350-4667-873b-d0d3be877e6f n12->n17 wasGeneratedBy b13 n12->b13 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 203 pl:created_at 2022-11-30T18:43:44.162134 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1467.02" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Feb-2022 cs:attr_payment_amount "49.8" %% xsd:float pl:created_at 2022-11-30T18:43:44.233530 ann12->n13 ann13 prov:label Marion Wright prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/261/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 2 Rosie harbors, West Philipstad, NW5P 3RE cs:attr_applicant_name Marion Wright cs:attr_dob "1984-01-22" %% xsd:date cs:attr_prev_address Studio 53, Annette orchard, West Anne, WS31 0ZN 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 2022-11-30T18:43:44.162000+00:00 prov:endTime 2022-11-30T18:43:44.162000+00:00 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/1806 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Rosie harbors, West Philipstad, NW5P 3RE cs:attr_from_date "2021-08-17" %% xsd:date pl:created_at 2022-11-01T00:00:00 ann18->n19 n20 app:providers/10 ann19 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1807 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Rosie harbors, West Philipstad, NW5P 3RE cs:attr_first_confirmed "2022-11-14" %% xsd:date cs:attr_last_confirmed "2022-03-20" %% xsd:date cs:attr_prev_address Studio 53, Annette orchard, West Anne, WS31 0ZN pl:created_at 2022-11-30T18:43:44.210731 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n12 b6->n13 b7->n10 b8->n7 b9->n8 b10->n5 b10->n9 plan b11->n11 b12->n3 b13->n15 b14->n16 b15->n8 b16->n19 b17->n13 b18->n7 b19->n21 b20->n10