Provenance for Decision #651

Decided on: Jan. 13, 2026, 11:35 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:b3075169-d160-441a-845e-fe359efb0b2e n3 app:applications/319 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-11T19:33:28.987000+00:00 prov:endTime 2026-01-13T23:35:46.771000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/319 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 8, Graeme hill, Angelastad, B5W 0WJ cs:attr_annual_income 96000 cs:attr_applicant_name Mohamed Thomas cs:attr_dob "1998-06-04" %% xsd:date cs:attr_email_address leesemma@example.com cs:attr_emp_length 8 cs:attr_emp_title Restaurant manager cs:attr_home_ownership 2 cs:attr_phone_number +44118 4960927 cs:attr_prev_address 42 Reece stream, Kennethtown, RH29 1PB pl:created_at 2026-01-11T19:33:28.987533 ann3->n3 n4 app:decisions/651 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b9 n4->b9 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 2026-01-13T23:35:46.771068 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:fda465a9-24a0-482a-ae69-7392c3980d16 n6->n3 used n7 app:records/2277 n6->n7 used n9 app:records/2278 n6->n9 used n10 app:creditreports/651 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-01-11T19:33:28.987000+00:00 prov:endTime 2026-01-13T23:35:46.771000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/14 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 "966.14" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-13T23:35:46.769423 ann7->n7 n8 app:models/creditcard_assessment n9->n20 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 "966.14" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "38.87" %% xsd:float pl:created_at 2026-01-13T23:35:46.770178 ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:5ee0ffd2-d550-4a83-b44c-10a8e59a55b5 n10->n15 wasGeneratedBy b12 n10->b12 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 580 pl:created_at 2026-01-13T23:35:46.762999 ann9->n10 n11 app:recommendations/651 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-13T23:35:46.771068 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Mohamed Thomas prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/319/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 8, Graeme hill, Angelastad, B5W 0WJ cs:attr_applicant_name Mohamed Thomas cs:attr_dob "1998-06-04" %% xsd:date cs:attr_prev_address 42 Reece stream, Kennethtown, RH29 1PB ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2026-01-13T23:35:46.762000+00:00 prov:endTime 2026-01-13T23:35:46.762000+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/2275 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 8, Graeme hill, Angelastad, B5W 0WJ cs:attr_from_date "2023-03-27" %% xsd:date pl:created_at 2025-12-22T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2276 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 8, Graeme hill, Angelastad, B5W 0WJ cs:attr_first_confirmed "2025-12-16" %% xsd:date cs:attr_last_confirmed "2025-07-17" %% xsd:date cs:attr_prev_address 42 Reece stream, Kennethtown, RH29 1PB pl:created_at 2026-01-13T23:35:46.768025 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n10 b6->n3 b7->n7 b8->n5 b8->n8 plan b9->n11 b10->n3 b11->n14 b12->n13 b13->n19 b14->n7 b15->n9 b16->n17