Provenance for Decision #672

Decided on: March 9, 2023, 11:35 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:b1671641-e796-4243-bce0-d5dfc8d01c70 n3 app:applications/121 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2021-11-19T20:49:11.326000+00:00 prov:endTime 2023-03-09T23:35:23.036000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/121 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 78o, Cook orchard, Evansburgh, E54 9BX cs:attr_annual_income 71000 cs:attr_applicant_name Richard Kelly-Smith cs:attr_dob "1956-02-11" %% xsd:date cs:attr_email_address acole@green.com cs:attr_emp_length 10 cs:attr_emp_title Telecommunications researcher cs:attr_home_ownership 1 cs:attr_phone_number (028)9018538 cs:attr_prev_address 045 Austin hills, Juneburgh, B7D 9NF pl:created_at 2021-11-19T20:49:11.326182 ann3->n3 n4 app:decisions/672 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2023-03-09T23:35:23.036444 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:b74ffb0f-13a8-404c-96ba-a9b4e207bb98 n6->n3 used n7 app:records/2265 n6->n7 used n8 app:records/2266 n6->n8 used n10 app:creditreports/672 n6->n10 used n11 app:records/615 n6->n11 used n12 app:records/614 n6->n12 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2021-11-19T20:49:11.326000+00:00 prov:endTime 2023-03-09T23:35:23.036000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 n7->n22 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 "1176.42" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Jul-2022 cs:attr_payment_amount "45.96" %% xsd:float pl:created_at 2023-03-09T23:35:23.013661 ann7->n7 n8->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1176.42" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Dec-2022 cs:attr_payment_amount "22.79" %% xsd:float pl:created_at 2023-03-09T23:35:23.033591 ann8->n8 n9 app:models/creditcard_assessment n16 app:providers/1 n10->n16 wasAttributedTo n17 uuid:c90c4d58-4ef8-4134-827e-580f70995b76 n10->n17 wasGeneratedBy b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 135 pl:created_at 2023-03-09T23:35:22.965612 ann9->n10 n13 app:recommendations/672 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom b10 n13->b10 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2023-03-09T23:35:23.036444 pl:reason cs:low_credit_score ann10->n13 ann11 prov:label Richard Kelly-Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n14 n15 app:applications/121/id b12 n15->b12 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 78o, Cook orchard, Evansburgh, E54 9BX cs:attr_applicant_name Richard Kelly-Smith cs:attr_dob "1956-02-11" %% xsd:date cs:attr_prev_address 045 Austin hills, Juneburgh, B7D 9NF ann12->n15 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann14 prov:startTime 2023-03-09T23:35:22.965000+00:00 prov:endTime 2023-03-09T23:35:22.965000+00:00 prov:type cs:SearchingCreditHistory ann14->n17 n18 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n18 n19 app:records/612 n19->n18 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 78o, Cook orchard, Evansburgh, E54 9BX cs:attr_from_date "2019-08-27" %% xsd:date pl:created_at 2021-11-04T00:00:00 ann16->n19 n20 app:providers/12 ann17 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n20 n21 app:records/613 n21->n20 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 78o, Cook orchard, Evansburgh, E54 9BX cs:attr_first_confirmed "2021-11-18" %% xsd:date cs:attr_last_confirmed "2021-01-10" %% xsd:date cs:attr_prev_address 045 Austin hills, Juneburgh, B7D 9NF pl:created_at 2021-11-23T13:49:40.672601 ann18->n21 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n3 b6->n8 b7->n10 b8->n11 b9->n7 b10->n12 b11->n13 b12->n3 b13->n16 b14->n15 b15->n7 b16->n21 b17->n19 b18->n8