Provenance for Decision #670

Decided on: Jan. 21, 2026, 2:29 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:b0953b8c-e7fd-4dbc-9566-8a7ba82d10c3 n4 app:applications/326 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-01-20T07:52:56.231000+00:00 prov:endTime 2026-01-21T14:29:15.711000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/670 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b14 n3->b14 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 2026-01-21T14:29:15.711644 pl:reason cs:low_credit_score ann3->n3 n17 app:applicants/326 n4->n17 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 81, Fisher drive, Marionhaven, BL12 8PR cs:attr_annual_income 78000 cs:attr_applicant_name Sian Owen cs:attr_dob "1953-08-20" %% xsd:date cs:attr_email_address brandonhiggins@example.com cs:attr_emp_length 50 cs:attr_emp_title Pensions consultant cs:attr_home_ownership 3 cs:attr_phone_number +44(0)141 496 0325 cs:attr_prev_address 087 Martyn pass, Jonesstad, EN8 1ZQ pl:created_at 2026-01-20T07:52:56.231153 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:608e13d0-d176-44ec-940e-9b32d9546a49 n6->n4 used n7 app:records/2320 n6->n7 used n8 app:records/2321 n6->n8 used n10 app:records/2322 n6->n10 used n11 app:records/2333 n6->n11 used n12 app:creditreports/670 n6->n12 used n13 app:records/2334 n6->n13 used n15 app:records/2323 n6->n15 used n16 app:records/2335 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2026-01-20T07:52:56.231000+00:00 prov:endTime 2026-01-21T14:29:15.711000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n9 app:models/creditcard_assessment n25 app:providers/14 n11->n25 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 "122.47" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "9.05" %% xsd:float pl:created_at 2026-01-21T14:29:15.709307 ann7->n11 n19 app:providers/1 n12->n19 wasAttributedTo n20 uuid:a547ac58-bf55-4b65-9242-ffec0f771ef8 n12->n20 wasGeneratedBy b16 n12->b16 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom b21 n12->b21 wasDerivedFrom b22 n12->b22 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 201 pl:created_at 2026-01-21T14:29:15.705057 ann8->n12 n13->n25 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 "122.47" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-21T14:29:15.710165 ann9->n13 n14 app:recommendations/670 n14->n5 wasAttributedTo n14->n6 wasGeneratedBy b4 n14->b4 wasDerivedFrom b5 n14->b5 wasDerivedFrom b6 n14->b6 wasDerivedFrom b7 n14->b7 wasDerivedFrom b8 n14->b8 wasDerivedFrom b9 n14->b9 wasDerivedFrom b10 n14->b10 wasDerivedFrom b11 n14->b11 wasDerivedFrom b12 n14->b12 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-21T14:29:15.711644 pl:reason cs:low_credit_score ann10->n14 n16->n25 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "122.47" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "1.24" %% xsd:float pl:created_at 2026-01-21T14:29:15.710778 ann11->n16 ann12 prov:label Sian Owen prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n17 n18 app:applications/326/id b15 n18->b15 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 81, Fisher drive, Marionhaven, BL12 8PR cs:attr_applicant_name Sian Owen cs:attr_dob "1953-08-20" %% xsd:date cs:attr_prev_address 087 Martyn pass, Jonesstad, EN8 1ZQ ann13->n18 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n19 n20->n18 used b17 n20->b17 wasAssociatedWith ann15 prov:startTime 2026-01-21T14:29:15.705000+00:00 prov:endTime 2026-01-21T14:29:15.705000+00:00 prov:type cs:SearchingCreditHistory ann15->n20 n21 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n21 n22 app:records/2318 n22->n21 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 81, Fisher drive, Marionhaven, BL12 8PR cs:attr_from_date "2025-06-17" %% xsd:date pl:created_at 2026-01-05T00:00:00 ann17->n22 n23 app:providers/3 ann18 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n23 n24 app:records/2319 n24->n23 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 81, Fisher drive, Marionhaven, BL12 8PR cs:attr_first_confirmed "2025-12-24" %% xsd:date cs:attr_last_confirmed "2025-03-14" %% xsd:date cs:attr_prev_address 087 Martyn pass, Jonesstad, EN8 1ZQ pl:created_at 2026-01-20T12:15:51.530463 ann19->n24 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n25 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n16 b5->n10 b6->n12 b7->n11 b8->n13 b9->n4 b10->n15 b11->n8 b12->n7 b13->n5 b13->n9 plan b14->n14 b15->n4 b16->n18 b17->n19 b18->n11 b19->n24 b20->n13 b21->n16 b22->n22