Provenance for Decision #537

Decided on: Nov. 7, 2025, 8:10 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:15f4c507-90fc-4d79-bbbb-90140f45ce35 n4 app:applications/266 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-11-07T19:42:52.820000+00:00 prov:endTime 2025-11-07T20:10:11.695000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/537 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 2025-11-07T20:10:11.695635 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/266 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 3, Clive fork, South Barrymouth, W5W 0HJ cs:attr_annual_income 75000 cs:attr_applicant_name Maurice O'Connor-Green cs:attr_dob "1976-06-09" %% xsd:date cs:attr_email_address barbararussell@example.com cs:attr_emp_length 15 cs:attr_emp_title Restaurant manager cs:attr_home_ownership 4 cs:attr_phone_number (0115) 4960616 cs:attr_prev_address 3 Kennedy falls, Bryanland, M33 4DN pl:created_at 2025-11-07T19:42:52.820750 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:82ce6381-dd13-4bda-b690-20ce73d6d315 n6->n4 used n9 app:records/1865 n6->n9 used n10 app:records/1866 n6->n10 used n11 app:records/1867 n6->n11 used n12 app:records/1868 n6->n12 used n13 app:creditreports/537 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-11-07T19:42:52.820000+00:00 prov:endTime 2025-11-07T20:10:11.695000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/537 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-11-07T20:10:11.695635 pl:reason cs:low_credit_score ann7->n8 n22 app:providers/14 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 "211.28" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-07T20:10:11.692860 ann8->n9 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 "211.28" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-07T20:10:11.693589 ann9->n10 n11->n22 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "211.28" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-07T20:10:11.694176 ann10->n11 n12->n22 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 "211.28" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-07T20:10:11.694731 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:f906da4c-31f1-4af4-84a4-05672e503a10 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 515 pl:created_at 2025-11-07T20:10:11.686407 ann12->n13 ann13 prov:label Maurice O'Connor-Green prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/266/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 3, Clive fork, South Barrymouth, W5W 0HJ cs:attr_applicant_name Maurice O'Connor-Green cs:attr_dob "1976-06-09" %% xsd:date cs:attr_prev_address 3 Kennedy falls, Bryanland, M33 4DN 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 2025-11-07T20:10:11.686000+00:00 prov:endTime 2025-11-07T20:10:11.686000+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/1863 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 3, Clive fork, South Barrymouth, W5W 0HJ cs:attr_from_date "2024-11-13" %% xsd:date pl:created_at 2025-10-12T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/1864 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 3, Clive fork, South Barrymouth, W5W 0HJ cs:attr_first_confirmed "2025-10-08" %% xsd:date cs:attr_last_confirmed "2025-05-26" %% xsd:date cs:attr_prev_address 3 Kennedy falls, Bryanland, M33 4DN pl:created_at 2025-11-07T20:10:11.691466 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n10 b5->n13 b6->n9 b7->n12 b8->n4 b9->n11 b10->n5 b10->n7 plan b11->n8 b12->n4 b13->n15 b14->n16 b15->n11 b16->n12 b17->n21 b18->n9 b19->n10 b20->n19