Provenance for Decision #606

Decided on: Dec. 23, 2025, 5:32 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:68d195e9-02c4-43a6-ae67-5b8a2feab430 n4 app:applications/295 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-12-19T16:37:15.844000+00:00 prov:endTime 2025-12-23T17:32:45.314000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/606 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b10 n3->b10 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 2025-12-23T17:32:45.314079 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/295 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 8 Stewart crescent, Trevorshire, E8 3DL cs:attr_annual_income 87000 cs:attr_applicant_name Molly Warner-Bradley cs:attr_dob "1991-12-31" %% xsd:date cs:attr_email_address rowleypatricia@example.com cs:attr_emp_length 6 cs:attr_emp_title Chief of Staff cs:attr_home_ownership 2 cs:attr_phone_number +44(0)113 4960825 cs:attr_prev_address 4 Harper mountain, Helenchester, EN1 1QN pl:created_at 2025-12-19T16:37:15.844019 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:d0e173b0-c03d-4cc1-b9dc-5eaf37d6fcee n6->n4 used n7 app:creditreports/606 n6->n7 used n10 app:records/2107 n6->n10 used n11 app:records/2108 n6->n11 used n12 app:records/2109 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-12-19T16:37:15.844000+00:00 prov:endTime 2025-12-23T17:32:45.314000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n15 app:providers/1 n7->n15 wasAttributedTo n16 uuid:5bda1a0c-6f82-4d9d-b80d-cc5228bfec72 n7->n16 wasGeneratedBy b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 398 pl:created_at 2025-12-23T17:32:45.305376 ann7->n7 n8 app:recommendations/606 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom b9 n8->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-12-23T17:32:45.314079 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n21 app:providers/15 n10->n21 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 "1915.57" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "78.27" %% xsd:float pl:created_at 2025-12-23T17:32:45.311870 ann9->n10 n11->n21 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 "1915.57" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "54.8" %% xsd:float pl:created_at 2025-12-23T17:32:45.312570 ann10->n11 n12->n21 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 "1915.57" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-23T17:32:45.313172 ann11->n12 ann12 prov:label Molly Warner-Bradley prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/295/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 8 Stewart crescent, Trevorshire, E8 3DL cs:attr_applicant_name Molly Warner-Bradley cs:attr_dob "1991-12-31" %% xsd:date cs:attr_prev_address 4 Harper mountain, Helenchester, EN1 1QN ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2025-12-23T17:32:45.305000+00:00 prov:endTime 2025-12-23T17:32:45.305000+00:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/2105 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 8 Stewart crescent, Trevorshire, E8 3DL cs:attr_from_date "2025-11-21" %% xsd:date pl:created_at 2025-12-13T00:00:00 ann17->n18 n19 app:providers/11 ann18 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/2106 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 8 Stewart crescent, Trevorshire, E8 3DL cs:attr_first_confirmed "2025-12-03" %% xsd:date cs:attr_last_confirmed "2025-04-20" %% xsd:date cs:attr_prev_address 4 Harper mountain, Helenchester, EN1 1QN pl:created_at 2025-12-23T17:32:45.310446 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n7 b6->n12 b7->n11 b8->n10 b9->n4 b10->n8 b11->n4 b12->n15 b13->n14 b14->n18 b15->n20 b16->n10 b17->n11 b18->n12