Provenance for Decision #664

Decided on: Jan. 20, 2026, 12:15 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:5920b735-2ed2-4b71-b16d-7b35186714a6 n3 app:applications/327 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-01-20T12:14:52.264000+00:00 prov:endTime 2026-01-20T12:15:20.651000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/327 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 26n, Jenna track, Stevensonmouth, L60 6TP cs:attr_annual_income 41000 cs:attr_applicant_name Joe Roberts cs:attr_dob "1962-01-06" %% xsd:date cs:attr_email_address raymondwoods@example.net cs:attr_emp_length 4 cs:attr_emp_title Osteopath cs:attr_home_ownership 1 cs:attr_phone_number +44(0)113 4960760 cs:attr_prev_address 682 Shaw ford, New Joseph, EX5 8ZS pl:created_at 2026-01-20T12:14:52.264431 ann3->n3 n4 app:decisions/664 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 2026-01-20T12:15:20.651692 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:7a2ba8db-5a7a-4b8c-aa50-9e1fbfa86f6a n6->n3 used n8 app:records/2317 n6->n8 used n9 app:creditreports/664 n6->n9 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-01-20T12:14:52.264000+00:00 prov:endTime 2026-01-20T12:15:20.651000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n19 app:providers/14 n8->n19 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "6.32" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.31" %% xsd:float pl:created_at 2026-01-20T12:15:20.650579 ann7->n8 n13 app:providers/1 n9->n13 wasAttributedTo n14 uuid:796e2389-2a33-4d39-947d-7868e4e6f95d 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 253 pl:created_at 2026-01-20T12:15:20.643926 ann8->n9 n10 app:recommendations/664 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-20T12:15:20.651692 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Joe Roberts prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/327/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 26n, Jenna track, Stevensonmouth, L60 6TP cs:attr_applicant_name Joe Roberts cs:attr_dob "1962-01-06" %% xsd:date cs:attr_prev_address 682 Shaw ford, New Joseph, EX5 8ZS 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 2026-01-20T12:15:20.643000+00:00 prov:endTime 2026-01-20T12:15:20.643000+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/2315 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 26n, Jenna track, Stevensonmouth, L60 6TP cs:attr_from_date "2023-02-17" %% xsd:date pl:created_at 2026-01-04T00:00:00 ann15->n16 n17 app:providers/4 ann16 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/2316 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 26n, Jenna track, Stevensonmouth, L60 6TP cs:attr_first_confirmed "2026-01-13" %% xsd:date cs:attr_last_confirmed "2025-08-15" %% xsd:date cs:attr_prev_address 682 Shaw ford, New Joseph, EX5 8ZS pl:created_at 2026-01-20T12:15:20.649151 ann17->n18 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n3 b6->n9 b7->n8 b8->n10 b9->n3 b10->n12 b11->n13 b12->n18 b13->n8 b14->n16