Provenance for Decision #650

Decided on: Jan. 11, 2026, 4:25 p.m.

Back to decision PROV-N PROV-JSON PDF SVG

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:1cc4694a-43eb-4f38-b8dc-b3c3e849ab06 n3 app:applications/316 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-11T13:41:41.781000+00:00 prov:endTime 2026-01-11T16:25:22.021000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/316 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 7, Cheryl falls, Lake Garybury, L2C 7FB cs:attr_annual_income 8000 cs:attr_applicant_name Diane Smith cs:attr_dob "1961-02-05" %% xsd:date cs:attr_email_address lorraine20@example.net cs:attr_emp_length 17 cs:attr_emp_title Press sub cs:attr_home_ownership 3 cs:attr_phone_number 0141 4960397 cs:attr_prev_address Studio 40, Bethan roads, Briggsmouth, ZE94 1GZ pl:created_at 2026-01-11T13:41:41.781905 ann3->n3 n4 app:decisions/650 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 2026-01-11T16:25:22.021811 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:fadf85e4-3764-4e02-9ddf-bc5f8b4b2a03 n6->n3 used n8 app:records/2271 n6->n8 used n9 app:records/2272 n6->n9 used n10 app:records/2273 n6->n10 used n11 app:records/2274 n6->n11 used n12 app:creditreports/650 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-01-11T13:41:41.781000+00:00 prov:endTime 2026-01-11T16:25:22.021000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/14 n8->n22 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 "1357.4" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-11T16:25:22.019112 ann7->n8 n9->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1357.4" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "126.68" %% xsd:float pl:created_at 2026-01-11T16:25:22.019799 ann8->n9 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 "1357.4" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "135.68" %% xsd:float pl:created_at 2026-01-11T16:25:22.020373 ann9->n10 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 "1357.4" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-11T16:25:22.020931 ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:3a027cc6-91e9-4f94-9398-87afcb694e3e n12->n17 wasGeneratedBy b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 74 pl:created_at 2026-01-11T16:25:22.013164 ann11->n12 n13 app:recommendations/650 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom b10 n13->b10 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-11T16:25:22.021811 pl:reason cs:low_credit_score ann12->n13 ann13 prov:label Diane Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/316/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 7, Cheryl falls, Lake Garybury, L2C 7FB cs:attr_applicant_name Diane Smith cs:attr_dob "1961-02-05" %% xsd:date cs:attr_prev_address Studio 40, Bethan roads, Briggsmouth, ZE94 1GZ 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 2026-01-11T16:25:22.013000+00:00 prov:endTime 2026-01-11T16:25:22.013000+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/2269 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 7, Cheryl falls, Lake Garybury, L2C 7FB cs:attr_from_date "2025-02-06" %% xsd:date pl:created_at 2025-12-18T00:00:00 ann18->n19 n20 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2270 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 7, Cheryl falls, Lake Garybury, L2C 7FB cs:attr_first_confirmed "2025-12-13" %% xsd:date cs:attr_last_confirmed "2025-07-12" %% xsd:date cs:attr_prev_address Studio 40, Bethan roads, Briggsmouth, ZE94 1GZ pl:created_at 2026-01-11T16:25:22.017721 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->n5 b4->n7 plan b5->n12 b6->n10 b7->n11 b8->n9 b9->n3 b10->n8 b11->n13 b12->n3 b13->n16 b14->n15 b15->n10 b16->n9 b17->n8 b18->n11 b19->n19 b20->n21