Provenance for Decision #532

Decided on: Nov. 2, 2025, 10:27 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:a0932b29-7e0e-402d-b419-9ea69745a56c n3 app:applications/264 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-11-01T17:47:30.694000+00:00 prov:endTime 2025-11-02T10:27:57.833000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/264 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 7 Owen ports, Carlview, W8C 6AH cs:attr_annual_income 107000 cs:attr_applicant_name Shaun White cs:attr_dob "1969-11-29" %% xsd:date cs:attr_email_address hobbsfrank@example.org cs:attr_emp_length 27 cs:attr_emp_title Scientist, research (physical sciences) cs:attr_home_ownership 2 cs:attr_phone_number 0808 157 0437 cs:attr_prev_address Studio 8, Paul springs, Shahburgh, B8B 1JZ pl:created_at 2025-11-01T17:47:30.694159 ann3->n3 n4 app:decisions/532 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2025-11-02T10:27:57.833823 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:52e2198e-3804-4da1-8d24-96e23c9d04ac n6->n3 used n8 app:records/1847 n6->n8 used n9 app:records/1848 n6->n9 used n10 app:records/1849 n6->n10 used n11 app:creditreports/532 n6->n11 used n13 app:records/1846 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-11-01T17:47:30.694000+00:00 prov:endTime 2025-11-02T10:27:57.833000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/14 n8->n22 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 "1343.57" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-02T10:27:57.831749 ann7->n8 n9->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1343.57" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "53.05" %% xsd:float pl:created_at 2025-11-02T10:27:57.832369 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1343.57" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "95.68" %% xsd:float pl:created_at 2025-11-02T10:27:57.832936 ann9->n10 n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:623c0471-472b-4e08-9ff4-a2024bd76a2d n11->n17 wasGeneratedBy b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom b19 n11->b19 wasDerivedFrom b20 n11->b20 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 736 pl:created_at 2025-11-02T10:27:57.824666 ann10->n11 n12 app:recommendations/532 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 2025-11-02T10:27:57.833823 pl:reason cs:low_credit_score 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 "1343.57" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "109.99" %% xsd:float pl:created_at 2025-11-02T10:27:57.831019 ann12->n13 ann13 prov:label Shaun White prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/264/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 7 Owen ports, Carlview, W8C 6AH cs:attr_applicant_name Shaun White cs:attr_dob "1969-11-29" %% xsd:date cs:attr_prev_address Studio 8, Paul springs, Shahburgh, B8B 1JZ ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2025-11-02T10:27:57.824000+00:00 prov:endTime 2025-11-02T10:27:57.824000+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/1844 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 7 Owen ports, Carlview, W8C 6AH cs:attr_from_date "2024-03-28" %% xsd:date pl:created_at 2025-10-19T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1845 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 7 Owen ports, Carlview, W8C 6AH cs:attr_first_confirmed "2025-10-17" %% xsd:date cs:attr_last_confirmed "2025-09-10" %% xsd:date cs:attr_prev_address Studio 8, Paul springs, Shahburgh, B8B 1JZ pl:created_at 2025-11-02T10:27:57.829614 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n8 b5->n3 b6->n10 b7->n13 b8->n9 b9->n11 b10->n5 b10->n7 plan b11->n12 b12->n3 b13->n16 b14->n15 b15->n13 b16->n9 b17->n21 b18->n8 b19->n19 b20->n10