Provenance for Decision #577

Decided on: Dec. 4, 2025, 9:15 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:a5c73b5d-9d07-49fc-ab04-feb0ae5d6372 n3 app:applications/284 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-12-02T05:31:31.844000+00:00 prov:endTime 2025-12-04T21:15:33.657000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/284 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 80W, Winter inlet, Grahamstad, N3 9QY cs:attr_annual_income 53000 cs:attr_applicant_name Dawn Jones cs:attr_dob "1951-07-09" %% xsd:date cs:attr_email_address fsmith@example.org cs:attr_emp_length 0 cs:attr_emp_title Structural engineer cs:attr_home_ownership 1 cs:attr_phone_number +44191 496 0952 cs:attr_prev_address Flat 12e, Smith pass, Olivershire, SN4E 6DQ pl:created_at 2025-12-02T05:31:31.844448 ann3->n3 n4 app:decisions/577 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b9 n4->b9 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 2025-12-04T21:15:33.657318 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:a051b6ea-fcf0-4d79-b11b-9f107752532e n6->n3 used n9 app:creditreports/577 n6->n9 used n10 app:records/2005 n6->n10 used n11 app:records/2006 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-12-02T05:31:31.844000+00:00 prov:endTime 2025-12-04T21:15:33.657000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/577 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy 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 2025-12-04T21:15:33.657318 pl:reason cs:low_credit_score ann7->n8 n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:4fa6168e-8eff-4e9f-8fa8-34ec4fb28e7d n9->n15 wasGeneratedBy b12 n9->b12 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 208 pl:created_at 2025-12-04T21:15:33.647139 ann8->n9 n20 app:providers/15 n10->n20 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 "143.41" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "3.88" %% xsd:float pl:created_at 2025-12-04T21:15:33.655733 ann9->n10 n11->n20 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 "143.41" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "12.85" %% xsd:float pl:created_at 2025-12-04T21:15:33.656460 ann10->n11 ann11 prov:label Dawn Jones prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/284/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 80W, Winter inlet, Grahamstad, N3 9QY cs:attr_applicant_name Dawn Jones cs:attr_dob "1951-07-09" %% xsd:date cs:attr_prev_address Flat 12e, Smith pass, Olivershire, SN4E 6DQ ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2025-12-04T21:15:33.647000+00:00 prov:endTime 2025-12-04T21:15:33.647000+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/2003 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 80W, Winter inlet, Grahamstad, N3 9QY cs:attr_from_date "2023-10-24" %% xsd:date pl:created_at 2025-11-16T00:00:00 ann16->n17 n18 app:providers/8 ann17 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2004 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 80W, Winter inlet, Grahamstad, N3 9QY cs:attr_first_confirmed "2025-11-21" %% xsd:date cs:attr_last_confirmed "2025-09-11" %% xsd:date cs:attr_prev_address Flat 12e, Smith pass, Olivershire, SN4E 6DQ pl:created_at 2025-12-04T21:15:33.654341 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n11 b6->n10 b7->n3 b8->n9 b9->n8 b10->n3 b11->n14 b12->n13 b13->n19 b14->n10 b15->n11 b16->n17