Provenance for Decision #605

Decided on: Dec. 21, 2025, 9:20 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:3b8c6550-0be3-4f6c-b4eb-582ad5e5cce8 n4 app:applications/296 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-12-20T17:40:27.311000+00:00 prov:endTime 2025-12-21T09:20:45.121000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/605 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 2025-12-21T09:20:45.121040 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/296 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 1, Megan dam, Mandyburgh, TN4V 6TE cs:attr_annual_income 97000 cs:attr_applicant_name Catherine Howe-Leonard cs:attr_dob "1967-11-07" %% xsd:date cs:attr_email_address eburton@example.com cs:attr_emp_length 24 cs:attr_emp_title Clinical research associate cs:attr_home_ownership 1 cs:attr_phone_number +443069990870 cs:attr_prev_address 71 Turner parks, Joycehaven, DL8 3DZ pl:created_at 2025-12-20T17:40:27.311839 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:49baad18-db21-44b3-abb0-6beb387ae739 n6->n4 used n8 app:creditreports/605 n6->n8 used n9 app:records/2101 n6->n9 used n11 app:records/2102 n6->n11 used n12 app:records/2103 n6->n12 used n13 app:records/2104 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-12-20T17:40:27.311000+00:00 prov:endTime 2025-12-21T09:20:45.121000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/605 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom b9 n7->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-12-21T09:20:45.121040 pl:reason cs:low_credit_score ann7->n7 n16 app:providers/1 n8->n16 wasAttributedTo n17 uuid:3dbfec77-530d-4e7d-83cf-91de8b1a32da n8->n17 wasGeneratedBy b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom b19 n8->b19 wasDerivedFrom b20 n8->b20 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 347 pl:created_at 2025-12-21T09:20:45.111703 ann8->n8 n22 app:providers/15 n9->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 "884.09" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-21T09:20:45.118241 ann9->n9 n10 app:models/creditcard_assessment 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 "884.09" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-21T09:20:45.118970 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 "884.09" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-21T09:20:45.119547 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 "884.09" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-21T09:20:45.120110 ann12->n13 ann13 prov:label Catherine Howe-Leonard prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/296/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 1, Megan dam, Mandyburgh, TN4V 6TE cs:attr_applicant_name Catherine Howe-Leonard cs:attr_dob "1967-11-07" %% xsd:date cs:attr_prev_address 71 Turner parks, Joycehaven, DL8 3DZ ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2025-12-21T09:20:45.111000+00:00 prov:endTime 2025-12-21T09:20:45.111000+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/2099 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 1, Megan dam, Mandyburgh, TN4V 6TE cs:attr_from_date "2024-05-04" %% xsd:date pl:created_at 2025-11-26T00:00:00 ann18->n19 n20 app:providers/6 ann19 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2100 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 1, Megan dam, Mandyburgh, TN4V 6TE cs:attr_first_confirmed "2025-12-05" %% xsd:date cs:attr_last_confirmed "2025-01-29" %% xsd:date cs:attr_prev_address 71 Turner parks, Joycehaven, DL8 3DZ pl:created_at 2025-12-21T09:20:45.116799 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n13 b5->n4 b6->n8 b7->n11 b8->n12 b9->n9 b10->n5 b10->n10 plan b11->n7 b12->n4 b13->n16 b14->n15 b15->n9 b16->n21 b17->n12 b18->n13 b19->n11 b20->n19