Provenance for Decision #586

Decided on: Dec. 7, 2025, 7:43 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:2cb197e1-2e6f-489a-b0c8-0e08d52adb82 n4 app:applications/287 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-12-06T17:45:12.005000+00:00 prov:endTime 2025-12-07T07:43:30.050000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/586 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 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 2025-12-07T07:43:30.050630 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/287 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 16 Nicole court, Iqbalfort, CF1R 6TP cs:attr_annual_income 50000 cs:attr_applicant_name Rita Holmes cs:attr_dob "1984-08-07" %% xsd:date cs:attr_email_address marcuspalmer@example.com cs:attr_emp_length 6 cs:attr_emp_title Volunteer coordinator cs:attr_home_ownership 3 cs:attr_phone_number (029) 2018 0317 cs:attr_prev_address Flat 07B, Bethan wall, Port Frank, E5 9HX pl:created_at 2025-12-06T17:45:12.005506 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:79ccdfc9-20a1-45ce-8d51-7a198ec3a360 n6->n4 used n8 app:records/2036 n6->n8 used n10 app:creditreports/586 n6->n10 used n11 app:records/2037 n6->n11 used n12 app:records/2038 n6->n12 used n13 app:records/2039 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-12-06T17:45:12.005000+00:00 prov:endTime 2025-12-07T07:43:30.050000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/14 n8->n22 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 "1321.72" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "70.73" %% xsd:float pl:created_at 2025-12-07T07:43:30.047838 ann7->n8 n9 app:recommendations/586 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom b9 n9->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-12-07T07:43:30.050630 pl:reason cs:low_credit_score ann8->n9 n16 app:providers/1 n10->n16 wasAttributedTo n17 uuid:53019aa2-925d-495b-8124-4caace77619b n10->n17 wasGeneratedBy b13 n10->b13 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom b19 n10->b19 wasDerivedFrom b20 n10->b20 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 285 pl:created_at 2025-12-07T07:43:30.041414 ann9->n10 n11->n22 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 "1321.72" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-07T07:43:30.048558 ann10->n11 n12->n22 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 "1321.72" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-07T07:43:30.049152 ann11->n12 n13->n22 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 "1321.72" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-07T07:43:30.049728 ann12->n13 ann13 prov:label Rita Holmes prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/287/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 16 Nicole court, Iqbalfort, CF1R 6TP cs:attr_applicant_name Rita Holmes cs:attr_dob "1984-08-07" %% xsd:date cs:attr_prev_address Flat 07B, Bethan wall, Port Frank, E5 9HX ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2025-12-07T07:43:30.041000+00:00 prov:endTime 2025-12-07T07:43:30.041000+00:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/2034 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 16 Nicole court, Iqbalfort, CF1R 6TP cs:attr_from_date "2025-03-05" %% xsd:date pl:created_at 2025-11-19T00:00:00 ann18->n19 n20 app:providers/3 ann19 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2035 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 16 Nicole court, Iqbalfort, CF1R 6TP cs:attr_first_confirmed "2025-11-19" %% xsd:date cs:attr_last_confirmed "2025-11-11" %% xsd:date cs:attr_prev_address Flat 07B, Bethan wall, Port Frank, E5 9HX pl:created_at 2025-12-07T07:43:30.046421 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n4 b6->n10 b7->n11 b8->n12 b9->n13 b10->n5 b10->n7 plan b11->n9 b12->n4 b13->n15 b14->n16 b15->n12 b16->n21 b17->n8 b18->n13 b19->n19 b20->n11