Provenance for Decision #68

Decided on: Feb. 11, 2025, 1:33 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:70718bb5-59e7-44d2-a5ea-d9f082c5adbf n3 app:applications/47 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-02-11T13:32:47.719000+00:00 prov:endTime 2025-02-11T13:33:00.294000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/47 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 38u, Wilkins circles, Marianmouth, L87 4ND cs:attr_annual_income 64000 cs:attr_applicant_name Stacey Rogers-Bennett cs:attr_dob "1953-12-18" %% xsd:date cs:attr_email_address roberthurst@example.net cs:attr_emp_length 10 cs:attr_emp_title Special educational needs teacher cs:attr_home_ownership 3 cs:attr_phone_number +44(0)191 4960121 cs:attr_prev_address 36 Johnston light, Lake Zoe, E35 0LF pl:created_at 2025-02-11T13:32:47.719905 ann3->n3 n4 app:decisions/68 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 2025-02-11T13:33:00.294091 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:2bc996d5-be1b-44b9-8466-a58657dbae15 n6->n3 used n7 app:records/268 n6->n7 used n8 app:records/266 n6->n8 used n10 app:records/267 n6->n10 used n11 app:records/265 n6->n11 used n12 app:creditreports/68 n6->n12 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-02-11T13:32:47.719000+00:00 prov:endTime 2025-02-11T13:33:00.294000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/14 n7->n22 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "18.33" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-11T13:33:00.293205 ann7->n7 n8->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 "18.33" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-11T13:33:00.292048 ann8->n8 n9 app:models/creditcard_assessment 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 "18.33" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Apr-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-11T13:33:00.292645 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 "18.33" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-11T13:33:00.291333 ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:a397b6ce-e014-4ee4-b806-735ba6f1c473 n12->n17 wasGeneratedBy b13 n12->b13 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom b19 n12->b19 wasDerivedFrom b20 n12->b20 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 507 pl:created_at 2025-02-11T13:33:00.284890 ann11->n12 n13 app:recommendations/68 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b4 n13->b4 wasDerivedFrom b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-02-11T13:33:00.294091 pl:reason cs:low_credit_score ann12->n13 ann13 prov:label Stacey Rogers-Bennett prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/47/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 38u, Wilkins circles, Marianmouth, L87 4ND cs:attr_applicant_name Stacey Rogers-Bennett cs:attr_dob "1953-12-18" %% xsd:date cs:attr_prev_address 36 Johnston light, Lake Zoe, E35 0LF 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 2025-02-11T13:33:00.284000+00:00 prov:endTime 2025-02-11T13:33:00.284000+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/263 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 38u, Wilkins circles, Marianmouth, L87 4ND cs:attr_from_date "2022-11-14" %% xsd:date pl:created_at 2025-01-14T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/264 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 38u, Wilkins circles, Marianmouth, L87 4ND cs:attr_first_confirmed "2025-02-07" %% xsd:date cs:attr_last_confirmed "2024-05-22" %% xsd:date cs:attr_prev_address 36 Johnston light, Lake Zoe, E35 0LF pl:created_at 2025-02-11T13:33:00.289933 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n7 b6->n12 b7->n11 b8->n8 b9->n3 b10->n5 b10->n9 plan b11->n13 b12->n3 b13->n15 b14->n16 b15->n21 b16->n11 b17->n10 b18->n19 b19->n7 b20->n8