Provenance for Decision #582

Decided on: Dec. 5, 2025, 3:17 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:6a63cb1e-7ceb-4768-828c-f4c2e91c57d2 n4 app:applications/286 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-12-05T14:09:50.645000+00:00 prov:endTime 2025-12-05T15:17:15.329000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/582 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 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 2025-12-05T15:17:15.329733 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/286 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 4, Williams heights, East Jodie, NR0 8FH cs:attr_annual_income 43000 cs:attr_applicant_name Samuel Davis cs:attr_dob "1985-10-21" %% xsd:date cs:attr_email_address bbarry@example.com cs:attr_emp_length 3 cs:attr_emp_title Engineer, broadcasting (operations) cs:attr_home_ownership 2 cs:attr_phone_number (0191)4960550 cs:attr_prev_address Flat 33, Evans circles, Lake Trevor, M0 4BQ pl:created_at 2025-12-05T14:09:50.645984 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:43f52ff1-57f6-4ab6-acd0-a90727fe65f4 n6->n4 used n7 app:records/2022 n6->n7 used n9 app:creditreports/582 n6->n9 used n10 app:records/2021 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-12-05T14:09:50.645000+00:00 prov:endTime 2025-12-05T15:17:15.329000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/14 n7->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1771.59" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "58.45" %% xsd:float pl:created_at 2025-12-05T15:17:15.328835 ann7->n7 n8 app:models/creditcard_assessment n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:c07a4141-de5a-4328-91f9-342f61b3d290 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 673 pl:created_at 2025-12-05T15:17:15.321651 ann8->n9 n10->n20 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 "1771.59" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-05T15:17:15.328096 ann9->n10 n11 app:recommendations/582 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-12-05T15:17:15.329733 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Samuel Davis prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/286/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 4, Williams heights, East Jodie, NR0 8FH cs:attr_applicant_name Samuel Davis cs:attr_dob "1985-10-21" %% xsd:date cs:attr_prev_address Flat 33, Evans circles, Lake Trevor, M0 4BQ 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 2025-12-05T15:17:15.321000+00:00 prov:endTime 2025-12-05T15:17:15.321000+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/2019 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 4, Williams heights, East Jodie, NR0 8FH cs:attr_from_date "2024-07-14" %% xsd:date pl:created_at 2025-11-19T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2020 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 4, Williams heights, East Jodie, NR0 8FH cs:attr_first_confirmed "2025-11-18" %% xsd:date cs:attr_last_confirmed "2025-07-08" %% xsd:date cs:attr_prev_address Flat 33, Evans circles, Lake Trevor, M0 4BQ pl:created_at 2025-12-05T15:17:15.326676 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n4 b6->n7 b7->n10 b8->n5 b8->n8 plan b9->n11 b10->n4 b11->n13 b12->n14 b13->n19 b14->n10 b15->n7 b16->n17