Provenance for Decision #603

Decided on: Dec. 19, 2025, 2:57 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:72c799fc-d974-4012-88c6-ed44a042ce44 n4 app:applications/294 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-12-19T14:40:03.510000+00:00 prov:endTime 2025-12-19T14:57:30.101000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/603 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 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 2025-12-19T14:57:30.101438 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/294 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 77u, Aaron road, Coxchester, B8 8YF cs:attr_annual_income 41000 cs:attr_applicant_name Stanley Murphy cs:attr_dob "1972-08-21" %% xsd:date cs:attr_email_address graeme00@example.org cs:attr_emp_length 33 cs:attr_emp_title Nurse, mental health cs:attr_home_ownership 3 cs:attr_phone_number 0306 9990413 cs:attr_prev_address Flat 1, Stewart valley, West Ryan, CH5W 9DX pl:created_at 2025-12-19T14:40:03.510742 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:dcfb4e86-4faf-4f14-a0ee-d6d85fd84100 n6->n4 used n9 app:records/2091 n6->n9 used n10 app:records/2092 n6->n10 used n11 app:records/2093 n6->n11 used n12 app:records/2094 n6->n12 used n13 app:creditreports/603 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-12-19T14:40:03.510000+00:00 prov:endTime 2025-12-19T14:57:30.101000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/603 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 b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-12-19T14:57:30.101438 pl:reason cs:low_credit_score ann7->n8 n22 app:providers/14 n9->n22 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 "358.8" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "34.97" %% xsd:float pl:created_at 2025-12-19T14:57:30.098646 ann8->n9 n10->n22 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 "358.8" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-19T14:57:30.099381 ann9->n10 n11->n22 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 "358.8" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "1.54" %% xsd:float pl:created_at 2025-12-19T14:57:30.099965 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 "358.8" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-19T14:57:30.100526 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:4d6c5174-ec69-42e4-a266-3c24107b4e50 n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 168 pl:created_at 2025-12-19T14:57:30.092210 ann12->n13 ann13 prov:label Stanley Murphy prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/294/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 77u, Aaron road, Coxchester, B8 8YF cs:attr_applicant_name Stanley Murphy cs:attr_dob "1972-08-21" %% xsd:date cs:attr_prev_address Flat 1, Stewart valley, West Ryan, CH5W 9DX 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 2025-12-19T14:57:30.092000+00:00 prov:endTime 2025-12-19T14:57:30.092000+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/2089 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 77u, Aaron road, Coxchester, B8 8YF cs:attr_from_date "2025-05-16" %% xsd:date pl:created_at 2025-12-03T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2090 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 77u, Aaron road, Coxchester, B8 8YF cs:attr_first_confirmed "2025-12-02" %% xsd:date cs:attr_last_confirmed "2025-09-30" %% xsd:date cs:attr_prev_address Flat 1, Stewart valley, West Ryan, CH5W 9DX pl:created_at 2025-12-19T14:57:30.097244 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n4 b5->n9 b6->n12 b7->n13 b8->n11 b9->n10 b10->n5 b10->n7 plan b11->n8 b12->n4 b13->n15 b14->n16 b15->n12 b16->n11 b17->n21 b18->n9 b19->n10 b20->n19