Provenance for Decision #713

Decided on: Feb. 8, 2026, 5:45 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:c31cbf3f-9d0d-4a95-a68c-2f349adf3e31 n3 app:applications/344 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-02-08T11:01:16.280000+00:00 prov:endTime 2026-02-08T17:45:10.971000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/344 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 3, Wilkins harbor, Jennafurt, L2S 8ZL cs:attr_annual_income 67000 cs:attr_applicant_name Abigail Smith-Parker cs:attr_dob "1967-03-26" %% xsd:date cs:attr_email_address fcox@example.com cs:attr_emp_length 39 cs:attr_emp_title Broadcast journalist cs:attr_home_ownership 1 cs:attr_phone_number 0191 4960607 cs:attr_prev_address Flat 15s, Cooper landing, Lake Alexandra, GU16 4TD pl:created_at 2026-02-08T11:01:16.280302 ann3->n3 n4 app:decisions/713 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b9 n4->b9 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 2026-02-08T17:45:10.971530 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:a47d3bca-e3c3-4cdb-8cba-e189ebc4a49f n6->n3 used n8 app:records/2480 n6->n8 used n9 app:records/2481 n6->n9 used n11 app:creditreports/713 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-02-08T11:01:16.280000+00:00 prov:endTime 2026-02-08T17:45:10.971000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/14 n8->n20 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 "234.83" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-08T17:45:10.969703 ann7->n8 n9->n20 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 "234.83" %% xsd:float cs:attr_credit_limit "2200.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.47" %% xsd:float pl:created_at 2026-02-08T17:45:10.970611 ann8->n9 n10 app:recommendations/713 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-08T17:45:10.971530 pl:reason cs:low_credit_score ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:d1fa363c-0384-4d08-8536-e93d6b7cafa9 n11->n15 wasGeneratedBy b11 n11->b11 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 438 pl:created_at 2026-02-08T17:45:10.962816 ann10->n11 ann11 prov:label Abigail Smith-Parker prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/344/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 3, Wilkins harbor, Jennafurt, L2S 8ZL cs:attr_applicant_name Abigail Smith-Parker cs:attr_dob "1967-03-26" %% xsd:date cs:attr_prev_address Flat 15s, Cooper landing, Lake Alexandra, GU16 4TD ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2026-02-08T17:45:10.962000+00:00 prov:endTime 2026-02-08T17:45:10.962000+00:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/2478 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 3, Wilkins harbor, Jennafurt, L2S 8ZL cs:attr_from_date "2023-09-18" %% xsd:date pl:created_at 2026-01-22T00:00:00 ann16->n17 n18 app:providers/3 ann17 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2479 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 3, Wilkins harbor, Jennafurt, L2S 8ZL cs:attr_first_confirmed "2026-02-01" %% xsd:date cs:attr_last_confirmed "2025-02-18" %% xsd:date cs:attr_prev_address Flat 15s, Cooper landing, Lake Alexandra, GU16 4TD pl:created_at 2026-02-08T17:45:10.968004 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n11 b5->n3 b6->n8 b7->n9 b8->n5 b8->n7 plan b9->n10 b10->n3 b11->n13 b12->n14 b13->n19 b14->n8 b15->n9 b16->n17