Provenance for Decision #729

Decided on: Feb. 14, 2026, 1:48 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:9b65206b-f576-49cd-9d92-2ad434b3c935 n3 app:applications/346 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-02-13T18:00:21.342000+00:00 prov:endTime 2026-02-14T01:48:19.076000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/346 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 91 Shaw spring, Port Iainshire, DY3 1YA cs:attr_annual_income 26000 cs:attr_applicant_name Steven Smith cs:attr_dob "1999-07-05" %% xsd:date cs:attr_email_address graceturner@example.org cs:attr_emp_length 8 cs:attr_emp_title Armed forces operational officer cs:attr_home_ownership 4 cs:attr_phone_number +44(0)116 4960415 cs:attr_prev_address Studio 70j, Kirsty springs, Flemingtown, M1 6PN pl:created_at 2026-02-13T18:00:21.342918 ann3->n3 n4 app:decisions/729 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2026-02-14T01:48:19.076664 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:a7065a2c-adfd-42fc-aed2-806d347e9204 n6->n3 used n8 app:creditreports/729 n6->n8 used n9 app:records/2525 n6->n9 used n10 app:records/2526 n6->n10 used n11 app:records/2527 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-02-13T18:00:21.342000+00:00 prov:endTime 2026-02-14T01:48:19.076000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n15 app:providers/1 n8->n15 wasAttributedTo n16 uuid:5f904214-4113-45d5-a0bb-06d9718c3dc4 n8->n16 wasGeneratedBy b12 n8->b12 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom b17 n8->b17 wasDerivedFrom b18 n8->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 79 pl:created_at 2026-02-14T01:48:19.069089 ann7->n8 n21 app:providers/15 n9->n21 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 "1176.65" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-14T01:48:19.074568 ann8->n9 n10->n21 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 "1176.65" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "24.25" %% xsd:float pl:created_at 2026-02-14T01:48:19.075213 ann9->n10 n11->n21 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1176.65" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "54.92" %% xsd:float pl:created_at 2026-02-14T01:48:19.075785 ann10->n11 n12 app:recommendations/729 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom b9 n12->b9 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-14T01:48:19.076664 pl:reason cs:low_credit_score ann11->n12 ann12 prov:label Steven Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/346/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 91 Shaw spring, Port Iainshire, DY3 1YA cs:attr_applicant_name Steven Smith cs:attr_dob "1999-07-05" %% xsd:date cs:attr_prev_address Studio 70j, Kirsty springs, Flemingtown, M1 6PN ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2026-02-14T01:48:19.069000+00:00 prov:endTime 2026-02-14T01:48:19.069000+00:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/2523 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 91 Shaw spring, Port Iainshire, DY3 1YA cs:attr_from_date "2025-12-29" %% xsd:date pl:created_at 2026-01-18T00:00:00 ann17->n18 n19 app:providers/11 ann18 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/2524 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 91 Shaw spring, Port Iainshire, DY3 1YA cs:attr_first_confirmed "2026-01-15" %% xsd:date cs:attr_last_confirmed "2025-03-17" %% xsd:date cs:attr_prev_address Studio 70j, Kirsty springs, Flemingtown, M1 6PN pl:created_at 2026-02-14T01:48:19.073133 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n11 b6->n8 b7->n9 b8->n10 b9->n3 b10->n12 b11->n3 b12->n14 b13->n15 b14->n9 b15->n10 b16->n18 b17->n11 b18->n20