Provenance for Decision #712

Decided on: Feb. 8, 2026, 1:41 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:ff85f5ea-bdab-44e9-8b10-29a32371688c n4 app:applications/343 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-02-08T10:45:43.645000+00:00 prov:endTime 2026-02-08T13:41:30.193000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/712 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 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 2026-02-08T13:41:30.193539 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/343 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 2, Joan village, Phillipmouth, WC16 5LS cs:attr_annual_income 105000 cs:attr_applicant_name Brian Jackson cs:attr_dob "1972-12-21" %% xsd:date cs:attr_email_address lauraanderson@example.com cs:attr_emp_length 9 cs:attr_emp_title Nurse, adult cs:attr_home_ownership 1 cs:attr_phone_number +441144960819 cs:attr_prev_address 349 Schofield light, Port Iain, L98 0WB pl:created_at 2026-02-08T10:45:43.645066 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:5a9e3c7e-0216-4f62-96ea-69c7e8a9adb6 n6->n4 used n7 app:records/2474 n6->n7 used n8 app:records/2475 n6->n8 used n10 app:records/2476 n6->n10 used n12 app:records/2477 n6->n12 used n13 app:creditreports/712 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-02-08T10:45:43.645000+00:00 prov:endTime 2026-02-08T13:41:30.193000+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 "354.6" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-08T13:41:30.190790 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 "354.6" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-08T13:41:30.191530 ann8->n8 n9 app:models/creditcard_assessment 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 "354.6" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "32.93" %% xsd:float pl:created_at 2026-02-08T13:41:30.192135 ann9->n10 n11 app:recommendations/712 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-08T13:41:30.193539 pl:reason cs:low_credit_score ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "354.6" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "1.07" %% xsd:float pl:created_at 2026-02-08T13:41:30.192674 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:52d57fce-924a-4c3d-94a2-972240157239 n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 488 pl:created_at 2026-02-08T13:41:30.184415 ann12->n13 ann13 prov:label Brian Jackson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/343/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 2, Joan village, Phillipmouth, WC16 5LS cs:attr_applicant_name Brian Jackson cs:attr_dob "1972-12-21" %% xsd:date cs:attr_prev_address 349 Schofield light, Port Iain, L98 0WB 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 2026-02-08T13:41:30.184000+00:00 prov:endTime 2026-02-08T13:41:30.184000+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/2472 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Joan village, Phillipmouth, WC16 5LS cs:attr_from_date "2025-02-15" %% xsd:date pl:created_at 2026-01-20T00:00:00 ann18->n19 n20 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/2473 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Joan village, Phillipmouth, WC16 5LS cs:attr_first_confirmed "2026-01-26" %% xsd:date cs:attr_last_confirmed "2026-01-09" %% xsd:date cs:attr_prev_address 349 Schofield light, Port Iain, L98 0WB pl:created_at 2026-02-08T13:41:30.189406 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n10 b6->n7 b7->n4 b8->n8 b9->n13 b10->n5 b10->n9 plan b11->n11 b12->n4 b13->n15 b14->n16 b15->n7 b16->n8 b17->n10 b18->n12 b19->n19 b20->n21