Provenance for Decision #607

Decided on: Dec. 23, 2025, 5:34 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:c1fb454b-50db-4008-b17b-be01b8c1049c n4 app:applications/297 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-12-22T00:35:16.189000+00:00 prov:endTime 2025-12-23T17:34:46.902000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/607 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 2025-12-23T17:34:46.902749 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/297 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 9, Green islands, New Elaine, E6T 3RF cs:attr_annual_income 66000 cs:attr_applicant_name Danielle Matthews-Baker cs:attr_dob "1958-12-29" %% xsd:date cs:attr_email_address melissa37@example.net cs:attr_emp_length 12 cs:attr_emp_title Facilities manager cs:attr_home_ownership 3 cs:attr_phone_number 0151 4960964 cs:attr_prev_address Studio 0, Williams manors, Rileyland, CV3R 3DP pl:created_at 2025-12-22T00:35:16.189271 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:f8558577-6239-436e-a5b8-02c6cd1eefc7 n6->n4 used n7 app:records/2112 n6->n7 used n10 app:creditreports/607 n6->n10 used n11 app:records/2113 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-12-22T00:35:16.189000+00:00 prov:endTime 2025-12-23T17:34:46.902000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/15 n7->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "623.74" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-23T17:34:46.901203 ann7->n7 n8 app:recommendations/607 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-12-23T17:34:46.902749 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:30857914-f477-4b21-92f0-b2bfe1d22789 n10->n15 wasGeneratedBy b11 n10->b11 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 246 pl:created_at 2025-12-23T17:34:46.894824 ann9->n10 n11->n20 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 "623.74" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-12-23T17:34:46.901910 ann10->n11 ann11 prov:label Danielle Matthews-Baker prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/297/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 9, Green islands, New Elaine, E6T 3RF cs:attr_applicant_name Danielle Matthews-Baker cs:attr_dob "1958-12-29" %% xsd:date cs:attr_prev_address Studio 0, Williams manors, Rileyland, CV3R 3DP 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 2025-12-23T17:34:46.894000+00:00 prov:endTime 2025-12-23T17:34:46.894000+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/2110 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 9, Green islands, New Elaine, E6T 3RF cs:attr_from_date "2024-09-21" %% xsd:date pl:created_at 2025-11-29T00:00:00 ann16->n17 n18 app:providers/8 ann17 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2111 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 9, Green islands, New Elaine, E6T 3RF cs:attr_first_confirmed "2025-12-07" %% xsd:date cs:attr_last_confirmed "2025-07-25" %% xsd:date cs:attr_prev_address Studio 0, Williams manors, Rileyland, CV3R 3DP pl:created_at 2025-12-23T17:34:46.899788 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n10 b6->n11 b7->n4 b8->n7 b9->n8 b10->n4 b11->n13 b12->n14 b13->n19 b14->n7 b15->n11 b16->n17