Provenance for Decision #536

Decided on: Nov. 6, 2025, 12:24 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:45722abd-ac69-4c1a-9de3-0ba7fb4aba0e n4 app:applications/265 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-11-04T11:53:16.153000+00:00 prov:endTime 2025-11-06T12:24:07.973000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/536 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 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 2025-11-06T12:24:07.973688 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/265 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 75e, Gardner forks, Paulaview, G45 0AF cs:attr_annual_income 101000 cs:attr_applicant_name Hannah Tucker cs:attr_dob "1958-01-04" %% xsd:date cs:attr_email_address lynnereed@example.com cs:attr_emp_length 16 cs:attr_emp_title Civil Service fast streamer cs:attr_home_ownership 4 cs:attr_phone_number +4420 74960967 cs:attr_prev_address Flat 5, Iain extensions, Port Lindaville, M31 3BU pl:created_at 2025-11-04T11:53:16.153735 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:fe8a1db8-f7de-46ff-a01c-614b223d2fc5 n6->n4 used n8 app:records/1860 n6->n8 used n9 app:records/1859 n6->n9 used n11 app:records/1861 n6->n11 used n12 app:records/1862 n6->n12 used n13 app:creditreports/536 n6->n13 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-11-04T11:53:16.153000+00:00 prov:endTime 2025-11-06T12:24:07.973000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/15 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 "1010.62" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-06T12:24:07.971639 ann7->n8 n9->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 "1010.62" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-06T12:24:07.970944 ann8->n9 n10 app:recommendations/536 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom b9 n10->b9 wasDerivedFrom b10 n10->b10 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-11-06T12:24:07.973688 pl:reason cs:low_credit_score ann9->n10 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 "1010.62" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "65.64" %% xsd:float pl:created_at 2025-11-06T12:24:07.972209 ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1010.62" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "31.31" %% xsd:float pl:created_at 2025-11-06T12:24:07.972760 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:3372fff0-f94f-435a-8034-8e359dc95c61 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 192 pl:created_at 2025-11-06T12:24:07.964672 ann12->n13 ann13 prov:label Hannah Tucker prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/265/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 75e, Gardner forks, Paulaview, G45 0AF cs:attr_applicant_name Hannah Tucker cs:attr_dob "1958-01-04" %% xsd:date cs:attr_prev_address Flat 5, Iain extensions, Port Lindaville, M31 3BU 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 2025-11-06T12:24:07.964000+00:00 prov:endTime 2025-11-06T12:24:07.964000+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/1857 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 75e, Gardner forks, Paulaview, G45 0AF cs:attr_from_date "2025-05-29" %% xsd:date pl:created_at 2025-10-20T00:00:00 ann18->n19 n20 app:providers/3 ann19 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1858 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 75e, Gardner forks, Paulaview, G45 0AF cs:attr_first_confirmed "2025-11-02" %% xsd:date cs:attr_last_confirmed "2025-10-22" %% xsd:date cs:attr_prev_address Flat 5, Iain extensions, Port Lindaville, M31 3BU pl:created_at 2025-11-06T12:24:07.969576 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n12 b6->n8 b7->n13 b8->n9 b9->n11 b10->n4 b11->n10 b12->n4 b13->n15 b14->n16 b15->n8 b16->n12 b17->n9 b18->n21 b19->n11 b20->n19