Provenance for Decision #523

Decided on: Oct. 30, 2025, 1:31 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:4ede3cf9-5066-4e61-ad2a-037dd78a54e4 n4 app:applications/263 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-10-30T01:16:15.648000+00:00 prov:endTime 2025-10-30T01:31:21.085000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/523 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 2025-10-30T01:31:21.085568 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/263 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 62r, Christine squares, Wrightstad, EN8H 5NZ cs:attr_annual_income 116000 cs:attr_applicant_name Kathleen Smith cs:attr_dob "1974-01-22" %% xsd:date cs:attr_email_address johnsonjustin@example.com cs:attr_emp_length 13 cs:attr_emp_title Environmental manager cs:attr_home_ownership 3 cs:attr_phone_number 0151 496 0619 cs:attr_prev_address Studio 85, Gemma crescent, Williamstown, FY87 0RP pl:created_at 2025-10-30T01:16:15.648122 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:92866861-6879-48c2-9eef-7d1c81f78043 n6->n4 used n8 app:records/1825 n6->n8 used n9 app:records/1826 n6->n9 used n11 app:creditreports/523 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-10-30T01:16:15.648000+00:00 prov:endTime 2025-10-30T01:31:21.085000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/15 n8->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "39.86" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-30T01:31:21.084036 ann7->n8 n9->n20 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 "39.86" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-30T01:31:21.084669 ann8->n9 n10 app:recommendations/523 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-30T01:31:21.085568 pl:reason cs:low_credit_score ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:92f2b95f-1947-440b-9fa0-fadb2d2734bb n11->n15 wasGeneratedBy b12 n11->b12 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 379 pl:created_at 2025-10-30T01:31:21.078711 ann10->n11 ann11 prov:label Kathleen Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/263/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 62r, Christine squares, Wrightstad, EN8H 5NZ cs:attr_applicant_name Kathleen Smith cs:attr_dob "1974-01-22" %% xsd:date cs:attr_prev_address Studio 85, Gemma crescent, Williamstown, FY87 0RP ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2025-10-30T01:31:21.078000+00:00 prov:endTime 2025-10-30T01:31:21.078000+00:00 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/1823 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 62r, Christine squares, Wrightstad, EN8H 5NZ cs:attr_from_date "2023-09-06" %% xsd:date pl:created_at 2025-10-02T00:00:00 ann16->n17 n18 app:providers/5 ann17 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1824 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 62r, Christine squares, Wrightstad, EN8H 5NZ cs:attr_first_confirmed "2025-10-27" %% xsd:date cs:attr_last_confirmed "2025-03-25" %% xsd:date cs:attr_prev_address Studio 85, Gemma crescent, Williamstown, FY87 0RP pl:created_at 2025-10-30T01:31:21.082702 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n11 b5->n9 b6->n4 b7->n8 b8->n5 b8->n7 plan b9->n10 b10->n4 b11->n14 b12->n13 b13->n19 b14->n8 b15->n9 b16->n17