Provenance for Decision #660

Decided on: Jan. 18, 2026, 1:04 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:eb2a9c55-ce1b-40b6-bda7-fb12b57e3ac9 n4 app:applications/324 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-18T07:03:54+00:00 prov:endTime 2026-01-18T13:04:58.313000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/660 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 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 2026-01-18T13:04:58.313688 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/324 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 017 Fiona loop, Lake Jodie, E62 1ZH cs:attr_annual_income 76000 cs:attr_applicant_name Alan Smith cs:attr_dob "1954-07-24" %% xsd:date cs:attr_email_address abbieharper@example.org cs:attr_emp_length 34 cs:attr_emp_title Lecturer, further education cs:attr_home_ownership 1 cs:attr_phone_number 028 9018166 cs:attr_prev_address 88 Andrews squares, North Jason, DT4 0XZ pl:created_at 2026-01-18T07:03:54.000438 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:20c3c34a-f919-46cc-b53a-94f6a2f78ffd n6->n4 used n8 app:creditreports/660 n6->n8 used n9 app:records/2305 n6->n9 used n10 app:records/2302 n6->n10 used n11 app:records/2303 n6->n11 used n13 app:records/2304 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-01-18T07:03:54+00:00 prov:endTime 2026-01-18T13:04:58.313000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n16 app:providers/1 n8->n16 wasAttributedTo n17 uuid:1b506fa4-79da-4861-a638-bc8ecd6c7faa n8->n17 wasGeneratedBy b13 n8->b13 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom b19 n8->b19 wasDerivedFrom b20 n8->b20 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 107 pl:created_at 2026-01-18T13:04:58.304194 ann7->n8 n22 app:providers/15 n9->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1759.08" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-18T13:04:58.312778 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1759.08" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-18T13:04:58.310908 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 "1759.08" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-18T13:04:58.311645 ann10->n11 n12 app:recommendations/660 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-18T13:04:58.313688 pl:reason cs:low_credit_score 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 "1759.08" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-18T13:04:58.312220 ann12->n13 ann13 prov:label Alan Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/324/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 017 Fiona loop, Lake Jodie, E62 1ZH cs:attr_applicant_name Alan Smith cs:attr_dob "1954-07-24" %% xsd:date cs:attr_prev_address 88 Andrews squares, North Jason, DT4 0XZ 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 2026-01-18T13:04:58.304000+00:00 prov:endTime 2026-01-18T13:04:58.304000+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/2300 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 017 Fiona loop, Lake Jodie, E62 1ZH cs:attr_from_date "2023-09-01" %% xsd:date pl:created_at 2025-12-19T00:00:00 ann18->n19 n20 app:providers/9 ann19 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2301 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 017 Fiona loop, Lake Jodie, E62 1ZH cs:attr_first_confirmed "2026-01-15" %% xsd:date cs:attr_last_confirmed "2025-04-17" %% xsd:date cs:attr_prev_address 88 Andrews squares, North Jason, DT4 0XZ pl:created_at 2026-01-18T13:04:58.309496 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n9 b6->n13 b7->n10 b8->n11 b9->n4 b10->n5 b10->n7 plan b11->n12 b12->n4 b13->n15 b14->n16 b15->n21 b16->n10 b17->n19 b18->n9 b19->n11 b20->n13