Provenance for Decision #722

Decided on: Feb. 11, 2026, 9:46 a.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:13711a9c-95f0-4eae-93b6-dc1ff9db249f n3 app:applications/249 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-15T20:32:47.725000+01:00 prov:endTime 2026-02-11T09:46:27.439000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n23 app:applicants/249 n3->n23 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_annual_income 120000 cs:attr_applicant_name Darren Gardner cs:attr_dob "1977-10-21" %% xsd:date cs:attr_email_address kate33@example.org cs:attr_emp_length 29 cs:attr_emp_title Media planner cs:attr_home_ownership 3 cs:attr_phone_number 0131 496 0036 cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU pl:created_at 2025-10-15T20:32:47.725508 ann3->n3 n4 app:decisions/722 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b20 n4->b20 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 2026-02-11T09:46:27.439381 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:9ae7fdde-bbfa-4083-b3c8-b1397aae1e53 n6->n3 used n7 app:records/2330 n6->n7 used n8 app:records/2415 n6->n8 used n9 app:records/2416 n6->n9 used n10 app:records/2504 n6->n10 used n11 app:records/2505 n6->n11 used n12 app:records/2417 n6->n12 used n13 app:records/2329 n6->n13 used n14 app:records/2506 n6->n14 used n15 app:creditreports/722 n6->n15 used n16 app:records/1731 n6->n16 used n17 app:records/1732 n6->n17 used n19 app:records/2507 n6->n19 used n21 app:records/2191 n6->n21 used n22 app:records/2192 n6->n22 used b19 n6->b19 wasAssociatedWith ann6 prov:startTime 2025-10-15T20:32:47.725000+01:00 prov:endTime 2026-02-11T09:46:27.439000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n31 app:providers/14 n10->n31 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "50.42" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.37" %% xsd:float pl:created_at 2026-02-11T09:46:27.436464 ann7->n10 n11->n31 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 "50.42" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-11T09:46:27.437322 ann8->n11 n14->n31 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 "50.42" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Apr-2025 cs:attr_payment_amount "4.53" %% xsd:float pl:created_at 2026-02-11T09:46:27.437904 ann9->n14 n25 app:providers/1 n15->n25 wasAttributedTo n26 uuid:18ebf558-2812-48ce-9f02-71f0ed6352ff n15->n26 wasGeneratedBy b22 n15->b22 wasDerivedFrom b24 n15->b24 wasDerivedFrom b25 n15->b25 wasDerivedFrom b26 n15->b26 wasDerivedFrom b27 n15->b27 wasDerivedFrom b28 n15->b28 wasDerivedFrom b29 n15->b29 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 131 pl:created_at 2026-02-11T09:46:27.432159 ann10->n15 n18 app:models/creditcard_assessment n19->n31 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 "50.42" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "3.09" %% xsd:float pl:created_at 2026-02-11T09:46:27.438455 ann11->n19 n20 app:recommendations/722 n20->n5 wasAttributedTo n20->n6 wasGeneratedBy b4 n20->b4 wasDerivedFrom b5 n20->b5 wasDerivedFrom b6 n20->b6 wasDerivedFrom b7 n20->b7 wasDerivedFrom b8 n20->b8 wasDerivedFrom b9 n20->b9 wasDerivedFrom b10 n20->b10 wasDerivedFrom b11 n20->b11 wasDerivedFrom b12 n20->b12 wasDerivedFrom b13 n20->b13 wasDerivedFrom b14 n20->b14 wasDerivedFrom b15 n20->b15 wasDerivedFrom b16 n20->b16 wasDerivedFrom b17 n20->b17 wasDerivedFrom b18 n20->b18 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-11T09:46:27.439381 pl:reason cs:low_credit_score ann12->n20 ann13 prov:label Darren Gardner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n23 n24 app:applications/249/id b21 n24->b21 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_applicant_name Darren Gardner cs:attr_dob "1977-10-21" %% xsd:date cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU ann14->n24 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n25 n26->n24 used b23 n26->b23 wasAssociatedWith ann16 prov:startTime 2026-02-11T09:46:27.432000+00:00 prov:endTime 2026-02-11T09:46:27.432000+00:00 prov:type cs:SearchingCreditHistory ann16->n26 n27 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n27 n28 app:records/1729 n28->n27 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_from_date "2023-07-15" %% xsd:date pl:created_at 2025-09-23T00:00:00 ann18->n28 n29 app:providers/4 ann19 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n29 n30 app:records/1730 n30->n29 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 95, Gerald curve, Walshton, S16 7PR cs:attr_first_confirmed "2025-09-17" %% xsd:date cs:attr_last_confirmed "2025-03-13" %% xsd:date cs:attr_prev_address Studio 1, Eric lake, Hannahhaven, W4 0RU pl:created_at 2025-10-16T00:27:30.353529 ann20->n30 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n31 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n9 b5->n7 b6->n10 b7->n17 b8->n14 b9->n12 b10->n19 b11->n21 b12->n16 b13->n11 b14->n15 b15->n3 b16->n8 b17->n22 b18->n13 b19->n5 b19->n18 plan b20->n20 b21->n3 b22->n24 b23->n25 b24->n28 b25->n10 b26->n30 b27->n14 b28->n19 b29->n11