Provenance for Decision #652

Decided on: Jan. 13, 2026, 11:37 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:8012a729-2270-47d7-ad46-9f4bcdadea11 n3 app:applications/318 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-01-11T17:33:38.091000+00:00 prov:endTime 2026-01-13T23:37:02.026000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/318 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 89 Carolyn drives, New Jacquelinebury, W2W 1DR cs:attr_annual_income 101000 cs:attr_applicant_name Elizabeth Austin cs:attr_dob "1952-10-25" %% xsd:date cs:attr_email_address graemewilliams@example.net cs:attr_emp_length 30 cs:attr_emp_title Editor, commissioning cs:attr_home_ownership 2 cs:attr_phone_number +449098790577 cs:attr_prev_address Flat 8, Kelly port, Beverleymouth, GU7V 0WB pl:created_at 2026-01-11T17:33:38.091640 ann3->n3 n4 app:decisions/652 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b8 n4->b8 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 2026-01-13T23:37:02.026479 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:3122930d-1adf-4cf2-be71-8071783dc524 n6->n3 used n9 app:creditreports/652 n6->n9 used n10 app:records/2281 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-01-11T17:33:38.091000+00:00 prov:endTime 2026-01-13T23:37:02.026000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/652 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-13T23:37:02.026479 pl:reason cs:low_credit_score ann7->n8 n13 app:providers/1 n9->n13 wasAttributedTo n14 uuid:cc3b69dd-8264-4338-b08a-f30cef2b51fe n9->n14 wasGeneratedBy b10 n9->b10 wasDerivedFrom b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 341 pl:created_at 2026-01-13T23:37:02.018987 ann8->n9 n19 app:providers/15 n10->n19 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 "1217.75" %% xsd:float cs:attr_credit_limit "1600.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "21.21" %% xsd:float pl:created_at 2026-01-13T23:37:02.025474 ann9->n10 ann10 prov:label Elizabeth Austin prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/318/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 89 Carolyn drives, New Jacquelinebury, W2W 1DR cs:attr_applicant_name Elizabeth Austin cs:attr_dob "1952-10-25" %% xsd:date cs:attr_prev_address Flat 8, Kelly port, Beverleymouth, GU7V 0WB ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2026-01-13T23:37:02.018000+00:00 prov:endTime 2026-01-13T23:37:02.018000+00:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/2279 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 89 Carolyn drives, New Jacquelinebury, W2W 1DR cs:attr_from_date "2025-01-25" %% xsd:date pl:created_at 2025-12-21T00:00:00 ann15->n16 n17 app:providers/11 ann16 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/2280 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 89 Carolyn drives, New Jacquelinebury, W2W 1DR cs:attr_first_confirmed "2025-12-29" %% xsd:date cs:attr_last_confirmed "2025-12-08" %% xsd:date cs:attr_prev_address Flat 8, Kelly port, Beverleymouth, GU7V 0WB pl:created_at 2026-01-13T23:37:02.024066 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n9 b5->n10 b6->n3 b7->n5 b7->n7 plan b8->n8 b9->n3 b10->n12 b11->n13 b12->n18 b13->n10 b14->n16