Provenance for Decision #663

Decided on: Jan. 20, 2026, 12:14 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:caf2711f-0ef2-44c5-bf60-2856fac20024 n3 app:applications/325 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-19T10:11:23.536000+00:00 prov:endTime 2026-01-20T12:14:55.470000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/325 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 448 Katy harbor, East Richardville, S68 3NP cs:attr_annual_income 27000 cs:attr_applicant_name Geraldine Davies-Roberts cs:attr_dob "2000-07-18" %% xsd:date cs:attr_email_address mariandouglas@example.org cs:attr_emp_length 0 cs:attr_emp_title Development worker, community cs:attr_home_ownership 1 cs:attr_phone_number +44(0)1614960170 cs:attr_prev_address 237 Webster ranch, Storeystad, G5C 7XP pl:created_at 2026-01-19T10:11:23.536531 ann3->n3 n4 app:decisions/663 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2026-01-20T12:14:55.470587 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:2841e51b-0808-41b2-97d2-df940eb47a3d n6->n3 used n9 app:creditreports/663 n6->n9 used n10 app:records/2312 n6->n10 used n11 app:records/2313 n6->n11 used n12 app:records/2314 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2026-01-19T10:11:23.536000+00:00 prov:endTime 2026-01-20T12:14:55.470000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/663 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-20T12:14:55.470587 pl:reason cs:low_credit_score ann7->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:079c5180-8275-44c4-9e0f-a3525c53d850 n9->n16 wasGeneratedBy b12 n9->b12 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 543 pl:created_at 2026-01-20T12:14:55.461879 ann8->n9 n21 app:providers/15 n10->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 "257.35" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "11.93" %% xsd:float pl:created_at 2026-01-20T12:14:55.468361 ann9->n10 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 "257.35" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "13.27" %% xsd:float pl:created_at 2026-01-20T12:14:55.469104 ann10->n11 n12->n21 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "257.35" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-20T12:14:55.469694 ann11->n12 ann12 prov:label Geraldine Davies-Roberts prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/325/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 448 Katy harbor, East Richardville, S68 3NP cs:attr_applicant_name Geraldine Davies-Roberts cs:attr_dob "2000-07-18" %% xsd:date cs:attr_prev_address 237 Webster ranch, Storeystad, G5C 7XP 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 2026-01-20T12:14:55.461000+00:00 prov:endTime 2026-01-20T12:14:55.461000+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/2310 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 448 Katy harbor, East Richardville, S68 3NP cs:attr_from_date "2025-05-27" %% xsd:date pl:created_at 2026-01-03T00:00:00 ann17->n18 n19 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/2311 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 448 Katy harbor, East Richardville, S68 3NP cs:attr_first_confirmed "2026-01-18" %% xsd:date cs:attr_last_confirmed "2025-06-10" %% xsd:date cs:attr_prev_address 237 Webster ranch, Storeystad, G5C 7XP pl:created_at 2026-01-20T12:14:55.466932 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n3 b6->n10 b7->n12 b8->n11 b9->n5 b9->n7 plan b10->n8 b11->n3 b12->n14 b13->n15 b14->n12 b15->n10 b16->n20 b17->n18 b18->n11