Provenance for Decision #648

Decided on: Jan. 11, 2026, 7:58 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:8e4a94d6-62d5-4b75-b0e7-47b8ceac604e n3 app:applications/315 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-10T17:43:43.534000+00:00 prov:endTime 2026-01-11T07:58:39.411000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/315 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 35, Simon river, New Wendy, M0 2YJ cs:attr_annual_income 71000 cs:attr_applicant_name Paige Woodward cs:attr_dob "1952-03-12" %% xsd:date cs:attr_email_address kbuckley@example.net cs:attr_emp_length 19 cs:attr_emp_title Firefighter cs:attr_home_ownership 4 cs:attr_phone_number (0808) 157 0772 cs:attr_prev_address 832 Kelly tunnel, West Kyle, M1W 6AG pl:created_at 2026-01-10T17:43:43.534497 ann3->n3 n4 app:decisions/648 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2026-01-11T07:58:39.411316 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:692c1c23-9d6c-4b93-ae7e-3c04f43e8758 n6->n3 used n7 app:creditreports/648 n6->n7 used n10 app:records/2260 n6->n10 used n11 app:records/2261 n6->n11 used n12 app:records/2262 n6->n12 used n13 app:records/2263 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-01-10T17:43:43.534000+00:00 prov:endTime 2026-01-11T07:58:39.411000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n16 app:providers/1 n7->n16 wasAttributedTo n17 uuid:f1b396cd-53b3-4c0b-bab0-b78bbcaf8aaf n7->n17 wasGeneratedBy b13 n7->b13 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom b19 n7->b19 wasDerivedFrom b20 n7->b20 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 497 pl:created_at 2026-01-11T07:58:39.402043 ann7->n7 n8 app:recommendations/648 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 ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-11T07:58:39.411316 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n22 app:providers/14 n10->n22 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 "2033.81" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "29.01" %% xsd:float pl:created_at 2026-01-11T07:58:39.408546 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 "2033.81" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "115.33" %% xsd:float pl:created_at 2026-01-11T07:58:39.409297 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 "2033.81" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-11T07:58:39.409871 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 "2033.81" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-11T07:58:39.410408 ann12->n13 ann13 prov:label Paige Woodward prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/315/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 35, Simon river, New Wendy, M0 2YJ cs:attr_applicant_name Paige Woodward cs:attr_dob "1952-03-12" %% xsd:date cs:attr_prev_address 832 Kelly tunnel, West Kyle, M1W 6AG 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 2026-01-11T07:58:39.402000+00:00 prov:endTime 2026-01-11T07:58:39.402000+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/2258 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 35, Simon river, New Wendy, M0 2YJ cs:attr_from_date "2024-02-14" %% xsd:date pl:created_at 2025-12-26T00:00:00 ann18->n19 n20 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2259 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 35, Simon river, New Wendy, M0 2YJ cs:attr_first_confirmed "2026-01-07" %% xsd:date cs:attr_last_confirmed "2025-09-03" %% xsd:date cs:attr_prev_address 832 Kelly tunnel, West Kyle, M1W 6AG pl:created_at 2026-01-11T07:58:39.407125 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n10 b6->n3 b7->n11 b8->n7 b9->n13 b10->n5 b10->n9 plan b11->n8 b12->n3 b13->n15 b14->n16 b15->n12 b16->n11 b17->n19 b18->n10 b19->n13 b20->n21