Provenance for Decision #55

Decided on: Jan. 24, 2025, 4:47 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:03ee3528-1af6-41ca-b7c4-5c966aac9517 n3 app:applications/34 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-01-21T09:04:15.065000+00:00 prov:endTime 2025-01-24T04:47:21.787000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n18 app:applicants/34 n3->n18 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 98i, Fuller view, East Alisontown, G3 8AJ cs:attr_annual_income 109000 cs:attr_applicant_name Zoe Schofield cs:attr_dob "1980-09-15" %% xsd:date cs:attr_email_address edwardsdean@example.net cs:attr_emp_length 6 cs:attr_emp_title Editorial assistant cs:attr_home_ownership 4 cs:attr_phone_number (0131) 4960979 cs:attr_prev_address 19 Robert shoal, South Lukestad, PH9 7RB pl:created_at 2025-01-21T09:04:15.065290 ann3->n3 n4 app:decisions/55 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b15 n4->b15 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 2025-01-24T04:47:21.787584 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:1989c9dd-7bea-4659-b044-6619e0b05298 n6->n3 used n7 app:creditreports/55 n6->n7 used n8 app:records/202 n6->n8 used n9 app:records/203 n6->n9 used n11 app:records/201 n6->n11 used n13 app:records/208 n6->n13 used n14 app:records/206 n6->n14 used n15 app:records/207 n6->n15 used n16 app:records/204 n6->n16 used n17 app:records/205 n6->n17 used b14 n6->b14 wasAssociatedWith ann6 prov:startTime 2025-01-21T09:04:15.065000+00:00 prov:endTime 2025-01-24T04:47:21.787000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/1 n7->n20 wasAttributedTo n21 uuid:e0ce97be-9948-48fa-9eba-65e1b62e746f n7->n21 wasGeneratedBy b17 n7->b17 wasDerivedFrom b19 n7->b19 wasDerivedFrom b20 n7->b20 wasDerivedFrom b21 n7->b21 wasDerivedFrom b22 n7->b22 wasDerivedFrom b23 n7->b23 wasDerivedFrom b24 n7->b24 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 724 pl:created_at 2025-01-24T04:47:21.780338 ann7->n7 n10 app:models/creditcard_assessment n12 app:recommendations/55 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 b10 n12->b10 wasDerivedFrom b11 n12->b11 wasDerivedFrom b12 n12->b12 wasDerivedFrom b13 n12->b13 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-01-24T04:47:21.787584 pl:reason cs:low_credit_score ann8->n12 n26 app:providers/14 n13->n26 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 "53.47" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Apr-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-01-24T04:47:21.786664 ann9->n13 n14->n26 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 "53.47" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "0.67" %% xsd:float pl:created_at 2025-01-24T04:47:21.785446 ann10->n14 n15->n26 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 "53.47" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.3" %% xsd:float pl:created_at 2025-01-24T04:47:21.786083 ann11->n15 n17->n26 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "53.47" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-01-24T04:47:21.784592 ann12->n17 ann13 prov:label Zoe Schofield prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n18 n19 app:applications/34/id b16 n19->b16 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 98i, Fuller view, East Alisontown, G3 8AJ cs:attr_applicant_name Zoe Schofield cs:attr_dob "1980-09-15" %% xsd:date cs:attr_prev_address 19 Robert shoal, South Lukestad, PH9 7RB ann14->n19 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n20 n21->n19 used b18 n21->b18 wasAssociatedWith ann16 prov:startTime 2025-01-24T04:47:21.780000+00:00 prov:endTime 2025-01-24T04:47:21.780000+00:00 prov:type cs:SearchingCreditHistory ann16->n21 n22 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n22 n23 app:records/199 n23->n22 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 98i, Fuller view, East Alisontown, G3 8AJ cs:attr_from_date "2024-11-25" %% xsd:date pl:created_at 2024-12-25T00:00:00 ann18->n23 n24 app:providers/13 ann19 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n24 n25 app:records/200 n25->n24 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 98i, Fuller view, East Alisontown, G3 8AJ cs:attr_first_confirmed "2024-12-30" %% xsd:date cs:attr_last_confirmed "2024-08-26" %% xsd:date cs:attr_prev_address 19 Robert shoal, South Lukestad, PH9 7RB pl:created_at 2025-01-23T22:38:25.499661 ann20->n25 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n26 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n13 b5->n14 b6->n16 b7->n7 b8->n8 b9->n15 b10->n17 b11->n3 b12->n11 b13->n9 b14->n5 b14->n10 plan b15->n12 b16->n3 b17->n19 b18->n20 b19->n23 b20->n15 b21->n17 b22->n14 b23->n13 b24->n25