Provenance for Decision #569

Decided on: Nov. 29, 2025, 1:08 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:e3a60a25-211c-4d85-a64a-34c8e9277781 n3 app:applications/281 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-11-29T12:51:44.540000+00:00 prov:endTime 2025-11-29T13:08:05.026000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/281 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 75K, Clarke harbors, Bernardburgh, W4W 7QZ cs:attr_annual_income 109000 cs:attr_applicant_name Christopher Davies cs:attr_dob "1987-04-14" %% xsd:date cs:attr_email_address ypickering@example.org cs:attr_emp_length 15 cs:attr_emp_title Banker cs:attr_home_ownership 1 cs:attr_phone_number +441174960815 cs:attr_prev_address 68 Steven ways, Nathanfurt, L2E 8JE pl:created_at 2025-11-29T12:51:44.540679 ann3->n3 n4 app:decisions/569 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2025-11-29T13:08:05.026347 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:85127be9-1b31-4e78-88e0-4d15ce893118 n6->n3 used n9 app:records/1972 n6->n9 used n10 app:records/1973 n6->n10 used n11 app:creditreports/569 n6->n11 used n12 app:records/1974 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-11-29T12:51:44.540000+00:00 prov:endTime 2025-11-29T13:08:05.026000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/569 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 ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-11-29T13:08:05.026347 pl:reason cs:low_credit_score ann7->n8 n21 app:providers/15 n9->n21 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 "411.79" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "31.17" %% xsd:float pl:created_at 2025-11-29T13:08:05.024133 ann8->n9 n10->n21 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 "411.79" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "16.01" %% xsd:float pl:created_at 2025-11-29T13:08:05.024894 ann9->n10 n15 app:providers/1 n11->n15 wasAttributedTo n16 uuid:35b13304-8598-4f58-aae8-8a0b2fdb6144 n11->n16 wasGeneratedBy b12 n11->b12 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 429 pl:created_at 2025-11-29T13:08:05.017559 ann10->n11 n12->n21 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 "411.79" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-29T13:08:05.025479 ann11->n12 ann12 prov:label Christopher Davies prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/281/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 75K, Clarke harbors, Bernardburgh, W4W 7QZ cs:attr_applicant_name Christopher Davies cs:attr_dob "1987-04-14" %% xsd:date cs:attr_prev_address 68 Steven ways, Nathanfurt, L2E 8JE ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-11-29T13:08:05.017000+00:00 prov:endTime 2025-11-29T13:08:05.017000+00:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/1970 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 75K, Clarke harbors, Bernardburgh, W4W 7QZ cs:attr_from_date "2024-04-26" %% xsd:date pl:created_at 2025-11-12T00:00:00 ann17->n18 n19 app:providers/3 ann18 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1971 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 75K, Clarke harbors, Bernardburgh, W4W 7QZ cs:attr_first_confirmed "2025-11-25" %% xsd:date cs:attr_last_confirmed "2025-11-06" %% xsd:date cs:attr_prev_address 68 Steven ways, Nathanfurt, L2E 8JE pl:created_at 2025-11-29T13:08:05.022733 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n10 b6->n11 b7->n9 b8->n12 b9->n5 b9->n7 plan b10->n8 b11->n3 b12->n14 b13->n15 b14->n18 b15->n9 b16->n10 b17->n20 b18->n12