Provenance for Decision #649

Decided on: Jan. 11, 2026, 4:23 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:888ea99c-bf45-4d80-875d-1c4a5a70960f n4 app:applications/317 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-11T15:59:50.404000+00:00 prov:endTime 2026-01-11T16:23:32.184000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/649 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 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 2026-01-11T16:23:32.184842 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/317 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 717 Dylan ville, Lake Irenebury, WA78 1DT cs:attr_annual_income 85000 cs:attr_applicant_name Darren Woods cs:attr_dob "1951-11-04" %% xsd:date cs:attr_email_address boneill@example.net cs:attr_emp_length 51 cs:attr_emp_title Nurse, mental health cs:attr_home_ownership 2 cs:attr_phone_number +44116 4960930 cs:attr_prev_address Studio 02, Callum neck, New Jordantown, PR0 2AZ pl:created_at 2026-01-11T15:59:50.404352 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:1b1a5f15-ea6b-4f89-b74b-cfd96ad51623 n6->n4 used n8 app:creditreports/649 n6->n8 used n9 app:records/2266 n6->n9 used n11 app:records/2267 n6->n11 used n12 app:records/2268 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-01-11T15:59:50.404000+00:00 prov:endTime 2026-01-11T16:23:32.184000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/649 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy 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 2026-01-11T16:23:32.184842 pl:reason cs:low_credit_score ann7->n7 n15 app:providers/1 n8->n15 wasAttributedTo n16 uuid:672d3784-7c32-4039-9e00-9af4da09883e n8->n16 wasGeneratedBy b12 n8->b12 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 303 pl:created_at 2026-01-11T16:23:32.176433 ann8->n8 n21 app:providers/15 n9->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 "104.92" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "6.36" %% xsd:float pl:created_at 2026-01-11T16:23:32.182714 ann9->n9 n10 app:models/creditcard_assessment 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 "104.92" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "10.24" %% xsd:float pl:created_at 2026-01-11T16:23:32.183428 ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "104.92" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "2.11" %% xsd:float pl:created_at 2026-01-11T16:23:32.183994 ann11->n12 ann12 prov:label Darren Woods prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/317/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 717 Dylan ville, Lake Irenebury, WA78 1DT cs:attr_applicant_name Darren Woods cs:attr_dob "1951-11-04" %% xsd:date cs:attr_prev_address Studio 02, Callum neck, New Jordantown, PR0 2AZ ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2026-01-11T16:23:32.176000+00:00 prov:endTime 2026-01-11T16:23:32.176000+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/2264 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 717 Dylan ville, Lake Irenebury, WA78 1DT cs:attr_from_date "2024-09-22" %% xsd:date pl:created_at 2026-01-09T00:00:00 ann17->n18 n19 app:providers/11 ann18 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/2265 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 717 Dylan ville, Lake Irenebury, WA78 1DT cs:attr_first_confirmed "2025-12-27" %% xsd:date cs:attr_last_confirmed "2025-06-30" %% xsd:date cs:attr_prev_address Studio 02, Callum neck, New Jordantown, PR0 2AZ pl:created_at 2026-01-11T16:23:32.181350 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n10 plan b5->n11 b6->n9 b7->n4 b8->n12 b9->n8 b10->n7 b11->n4 b12->n14 b13->n15 b14->n20 b15->n12 b16->n9 b17->n11 b18->n18