Provenance for Decision #699

Decided on: Feb. 1, 2026, 7:41 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:1326a6c4-baed-475b-8c29-2da58accfa65 n3 app:applications/337 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-01-31T21:49:37.067000+00:00 prov:endTime 2026-02-01T19:41:54.603000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/337 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 1 Davis causeway, West Janetbury, N9F 4XZ cs:attr_annual_income 33000 cs:attr_applicant_name Joe Pearce cs:attr_dob "1983-02-16" %% xsd:date cs:attr_email_address rosie99@example.net cs:attr_emp_length 12 cs:attr_emp_title Building services engineer cs:attr_home_ownership 1 cs:attr_phone_number 01314960766 cs:attr_prev_address Flat 7, Carly mountain, Connorburgh, L47 2ZS pl:created_at 2026-01-31T21:49:37.067876 ann3->n3 n4 app:decisions/699 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 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 2026-02-01T19:41:54.603674 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:05beba48-d7a8-4f46-8ad6-056e1094cc72 n6->n3 used n9 app:records/2426 n6->n9 used n10 app:records/2427 n6->n10 used n11 app:records/2428 n6->n11 used n12 app:creditreports/699 n6->n12 used n13 app:records/2425 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-01-31T21:49:37.067000+00:00 prov:endTime 2026-02-01T19:41:54.603000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/699 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-01T19:41:54.603674 pl:reason cs:low_credit_score ann7->n8 n22 app:providers/14 n9->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 "208.52" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-01T19:41:54.601675 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "208.52" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "14.59" %% xsd:float pl:created_at 2026-02-01T19:41:54.602247 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 "208.52" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-01T19:41:54.602790 ann10->n11 n16 app:providers/1 n12->n16 wasAttributedTo n17 uuid:70f7f3d2-f74a-4382-a65f-7d4d87637d54 n12->n17 wasGeneratedBy b14 n12->b14 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 439 pl:created_at 2026-02-01T19:41:54.594588 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "208.52" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jun-2025 cs:attr_payment_amount "8.45" %% xsd:float pl:created_at 2026-02-01T19:41:54.600936 ann12->n13 ann13 prov:label Joe Pearce prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/337/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 1 Davis causeway, West Janetbury, N9F 4XZ cs:attr_applicant_name Joe Pearce cs:attr_dob "1983-02-16" %% xsd:date cs:attr_prev_address Flat 7, Carly mountain, Connorburgh, L47 2ZS ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2026-02-01T19:41:54.594000+00:00 prov:endTime 2026-02-01T19:41:54.594000+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/2423 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 1 Davis causeway, West Janetbury, N9F 4XZ cs:attr_from_date "2025-09-13" %% xsd:date pl:created_at 2026-01-23T00:00:00 ann18->n19 n20 app:providers/5 ann19 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2424 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 1 Davis causeway, West Janetbury, N9F 4XZ cs:attr_first_confirmed "2026-01-19" %% xsd:date cs:attr_last_confirmed "2025-04-17" %% xsd:date cs:attr_prev_address Flat 7, Carly mountain, Connorburgh, L47 2ZS pl:created_at 2026-02-01T19:41:54.599569 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n11 b5->n3 b6->n13 b7->n9 b8->n10 b9->n12 b10->n5 b10->n7 plan b11->n8 b12->n3 b13->n16 b14->n15 b15->n13 b16->n10 b17->n19 b18->n21 b19->n11 b20->n9