Provenance for Decision #571

Decided on: Nov. 30, 2025, 2:14 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:45f363df-c1dc-4a3a-9428-28e92aa74a36 n4 app:applications/282 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-11-29T17:49:11.022000+00:00 prov:endTime 2025-11-30T14:14:07.654000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/571 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b9 n3->b9 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 2025-11-30T14:14:07.654792 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/282 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 60 Davies dam, Adamsville, W2 3HW cs:attr_annual_income 44000 cs:attr_applicant_name Pamela Hall cs:attr_dob "2001-10-21" %% xsd:date cs:attr_email_address paigepearson@example.net cs:attr_emp_length 3 cs:attr_emp_title Event organiser cs:attr_home_ownership 2 cs:attr_phone_number +44(0)20 7496 0981 cs:attr_prev_address Studio 8, Amelia vista, Cherylmouth, M99 6TZ pl:created_at 2025-11-29T17:49:11.022852 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:975551b6-9fb0-4abc-8dd1-d0b893c7934f n6->n4 used n8 app:records/1981 n6->n8 used n9 app:creditreports/571 n6->n9 used n11 app:records/1982 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-11-29T17:49:11.022000+00:00 prov:endTime 2025-11-30T14:14:07.654000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/15 n8->n20 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 "475.2" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-30T14:14:07.653063 ann7->n8 n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:bf9de51f-2f77-423f-8cca-e71f36742124 n9->n15 wasGeneratedBy b11 n9->b11 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 322 pl:created_at 2025-11-30T14:14:07.646377 ann8->n9 n10 app:recommendations/571 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-11-30T14:14:07.654792 pl:reason cs:low_credit_score ann9->n10 n11->n20 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 "475.2" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-11-30T14:14:07.653847 ann10->n11 ann11 prov:label Pamela Hall prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/282/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 60 Davies dam, Adamsville, W2 3HW cs:attr_applicant_name Pamela Hall cs:attr_dob "2001-10-21" %% xsd:date cs:attr_prev_address Studio 8, Amelia vista, Cherylmouth, M99 6TZ ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2025-11-30T14:14:07.646000+00:00 prov:endTime 2025-11-30T14:14:07.646000+00:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/1979 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 60 Davies dam, Adamsville, W2 3HW cs:attr_from_date "2023-08-23" %% xsd:date pl:created_at 2025-11-26T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1980 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 60 Davies dam, Adamsville, W2 3HW cs:attr_first_confirmed "2025-11-20" %% xsd:date cs:attr_last_confirmed "2025-07-10" %% xsd:date cs:attr_prev_address Studio 8, Amelia vista, Cherylmouth, M99 6TZ pl:created_at 2025-11-30T14:14:07.651575 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n8 b6->n11 b7->n9 b8->n4 b9->n10 b10->n4 b11->n13 b12->n14 b13->n19 b14->n8 b15->n11 b16->n17