Provenance for Decision #704

Decided on: Feb. 2, 2026, 7:18 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:3d266296-71b2-4e5a-ad77-90515e78d3b6 n4 app:applications/339 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-02-02T12:34:53.237000+00:00 prov:endTime 2026-02-02T19:18:05.609000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/704 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b8 n3->b8 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 2026-02-02T19:18:05.609262 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/339 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 5, Catherine expressway, South Stewart, L9T 2RX cs:attr_annual_income 44000 cs:attr_applicant_name Frances Leonard cs:attr_dob "1995-05-28" %% xsd:date cs:attr_email_address mandymarshall@example.com cs:attr_emp_length 7 cs:attr_emp_title Chiropractor cs:attr_home_ownership 4 cs:attr_phone_number +44(0)29 2018 0227 cs:attr_prev_address 7 Sharp fort, Powellton, DA0V 8AF pl:created_at 2026-02-02T12:34:53.237630 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:0fedef3e-0a68-44f0-a906-c28f4df3f6e5 n6->n4 used n8 app:creditreports/704 n6->n8 used n10 app:records/2446 n6->n10 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-02-02T12:34:53.237000+00:00 prov:endTime 2026-02-02T19:18:05.609000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/704 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-02T19:18:05.609262 pl:reason cs:low_credit_score ann7->n7 n13 app:providers/1 n8->n13 wasAttributedTo n14 uuid:098b8598-02f1-4ecf-a079-9c5f33bae578 n8->n14 wasGeneratedBy b10 n8->b10 wasDerivedFrom b12 n8->b12 wasDerivedFrom b13 n8->b13 wasDerivedFrom b14 n8->b14 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 668 pl:created_at 2026-02-02T19:18:05.601862 ann8->n8 n9 app:models/creditcard_assessment n19 app:providers/15 n10->n19 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 "1481.98" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-02T19:18:05.608270 ann9->n10 ann10 prov:label Frances Leonard prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/339/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 5, Catherine expressway, South Stewart, L9T 2RX cs:attr_applicant_name Frances Leonard cs:attr_dob "1995-05-28" %% xsd:date cs:attr_prev_address 7 Sharp fort, Powellton, DA0V 8AF ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2026-02-02T19:18:05.601000+00:00 prov:endTime 2026-02-02T19:18:05.601000+00:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/2444 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 5, Catherine expressway, South Stewart, L9T 2RX cs:attr_from_date "2025-05-08" %% xsd:date pl:created_at 2026-01-09T00:00:00 ann15->n16 n17 app:providers/3 ann16 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/2445 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 5, Catherine expressway, South Stewart, L9T 2RX cs:attr_first_confirmed "2026-01-09" %% xsd:date cs:attr_last_confirmed "2025-04-28" %% xsd:date cs:attr_prev_address 7 Sharp fort, Powellton, DA0V 8AF pl:created_at 2026-02-02T19:18:05.606876 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n9 plan b5->n4 b6->n8 b7->n10 b8->n7 b9->n4 b10->n12 b11->n13 b12->n18 b13->n10 b14->n16