Provenance for Decision #694

Decided on: Jan. 31, 2026, 12:36 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:3a48558b-0511-4ecd-b42a-9739e74f11a6 n3 app:applications/65 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2026-01-31T12:36:27.032000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n43 app:applicants/65 n3->n43 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_annual_income 104000 cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_email_address vincent95@example.org cs:attr_emp_length 24 cs:attr_emp_title Air cabin crew cs:attr_home_ownership 3 cs:attr_phone_number +443069990490 cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T03:30:13.630186 ann3->n3 n4 app:decisions/694 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b40 n4->b40 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 2026-01-31T12:36:27.032193 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:5da2f5f5-b25a-43c1-84d4-ccac00048765 n6->n3 used n7 app:records/1460 n6->n7 used n8 app:records/1227 n6->n8 used n9 app:records/1645 n6->n9 used n10 app:records/1646 n6->n10 used n11 app:records/1228 n6->n11 used n12 app:records/538 n6->n12 used n13 app:records/1647 n6->n13 used n14 app:records/1229 n6->n14 used n15 app:records/539 n6->n15 used n16 app:records/1465 n6->n16 used n17 app:records/558 n6->n17 used n18 app:records/1466 n6->n18 used n19 app:records/1367 n6->n19 used n20 app:records/559 n6->n20 used n21 app:records/1368 n6->n21 used n22 app:records/1369 n6->n22 used n23 app:records/557 n6->n23 used n24 app:records/1226 n6->n24 used n25 app:records/398 n6->n25 used n27 app:records/399 n6->n27 used n28 app:records/1309 n6->n28 used n29 app:records/397 n6->n29 used n31 app:records/1310 n6->n31 used n32 app:records/1370 n6->n32 used n33 app:records/1371 n6->n33 used n34 app:records/2405 n6->n34 used n35 app:records/2406 n6->n35 used n36 app:records/2407 n6->n36 used n37 app:records/1311 n6->n37 used n38 app:records/1312 n6->n38 used n39 app:records/400 n6->n39 used n40 app:records/541 n6->n40 used n41 app:records/540 n6->n41 used n42 app:creditreports/694 n6->n42 used b39 n6->b39 wasAssociatedWith ann6 prov:startTime 2025-03-24T03:30:13.630000+00:00 prov:endTime 2026-01-31T12:36:27.032000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n26 app:models/creditcard_assessment n30 app:recommendations/694 n30->n5 wasAttributedTo n30->n6 wasGeneratedBy b4 n30->b4 wasDerivedFrom b5 n30->b5 wasDerivedFrom b6 n30->b6 wasDerivedFrom b7 n30->b7 wasDerivedFrom b8 n30->b8 wasDerivedFrom b9 n30->b9 wasDerivedFrom b10 n30->b10 wasDerivedFrom b11 n30->b11 wasDerivedFrom b12 n30->b12 wasDerivedFrom b13 n30->b13 wasDerivedFrom b14 n30->b14 wasDerivedFrom b15 n30->b15 wasDerivedFrom b16 n30->b16 wasDerivedFrom b17 n30->b17 wasDerivedFrom b18 n30->b18 wasDerivedFrom b19 n30->b19 wasDerivedFrom b20 n30->b20 wasDerivedFrom b21 n30->b21 wasDerivedFrom b22 n30->b22 wasDerivedFrom b23 n30->b23 wasDerivedFrom b24 n30->b24 wasDerivedFrom b25 n30->b25 wasDerivedFrom b26 n30->b26 wasDerivedFrom b27 n30->b27 wasDerivedFrom b28 n30->b28 wasDerivedFrom b29 n30->b29 wasDerivedFrom b30 n30->b30 wasDerivedFrom b31 n30->b31 wasDerivedFrom b32 n30->b32 wasDerivedFrom b33 n30->b33 wasDerivedFrom b34 n30->b34 wasDerivedFrom b35 n30->b35 wasDerivedFrom b36 n30->b36 wasDerivedFrom b37 n30->b37 wasDerivedFrom b38 n30->b38 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-01-31T12:36:27.032193 pl:reason cs:low_credit_score ann7->n30 n51 app:providers/15 n34->n51 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 "228.99" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "15.67" %% xsd:float pl:created_at 2026-01-31T12:36:27.029851 ann8->n34 n35->n51 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 "228.99" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-01-31T12:36:27.030673 ann9->n35 n36->n51 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 "228.99" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "15.79" %% xsd:float pl:created_at 2026-01-31T12:36:27.031282 ann10->n36 n45 app:providers/1 n42->n45 wasAttributedTo n46 uuid:31922b4d-d309-41e6-8b1a-c9c1de88aec4 n42->n46 wasGeneratedBy b42 n42->b42 wasDerivedFrom b44 n42->b44 wasDerivedFrom b45 n42->b45 wasDerivedFrom b46 n42->b46 wasDerivedFrom b47 n42->b47 wasDerivedFrom b48 n42->b48 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 492 pl:created_at 2026-01-31T12:36:27.025491 ann11->n42 ann12 prov:label Kayleigh Robinson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n43 n44 app:applications/65/id b41 n44->b41 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_applicant_name Kayleigh Robinson cs:attr_dob "1982-01-29" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT ann13->n44 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n45 n46->n44 used b43 n46->b43 wasAssociatedWith ann15 prov:startTime 2026-01-31T12:36:27.025000+00:00 prov:endTime 2026-01-31T12:36:27.025000+00:00 prov:type cs:SearchingCreditHistory ann15->n46 n47 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n47 n48 app:records/395 n48->n47 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_from_date "2023-05-10" %% xsd:date pl:created_at 2025-03-17T00:00:00 ann17->n48 n49 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n49 n50 app:records/396 n50->n49 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 91g, Fleming shore, South Rita, CA4 3NU cs:attr_first_confirmed "2025-03-09" %% xsd:date cs:attr_last_confirmed "2024-09-22" %% xsd:date cs:attr_prev_address 24 Jones rapid, O'Neillstad, L80 0GT pl:created_at 2025-03-24T16:32:32.706852 ann19->n50 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n51 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n12 b5->n20 b6->n8 b7->n3 b8->n33 b9->n10 b10->n25 b11->n11 b12->n18 b13->n22 b14->n34 b15->n16 b16->n37 b17->n36 b18->n21 b19->n31 b20->n14 b21->n7 b22->n23 b23->n29 b24->n19 b25->n15 b26->n39 b27->n13 b28->n17 b29->n40 b30->n24 b31->n41 b32->n28 b33->n38 b34->n9 b35->n32 b36->n42 b37->n35 b38->n27 b39->n5 b39->n26 plan b40->n30 b41->n3 b42->n44 b43->n45 b44->n35 b45->n34 b46->n36 b47->n50 b48->n48