Provenance for Decision #739

Decided on: Feb. 19, 2026, 1:52 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:d157d6d3-369a-496c-9490-9800a20931c8 n4 app:applications/32 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-01-15T11:40:34.952000+00:00 prov:endTime 2026-02-19T13:52:34.195000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/739 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b94 n3->b94 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 2026-02-19T13:52:34.195244 pl:reason cs:low_credit_score ann3->n3 n97 app:applicants/32 n4->n97 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_annual_income 40000 cs:attr_applicant_name Natasha Foster cs:attr_dob "2002-12-08" %% xsd:date cs:attr_email_address lbishop@example.com cs:attr_emp_length 1 cs:attr_emp_title Doctor, hospital cs:attr_home_ownership 1 cs:attr_phone_number 020 7946 0691 cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ pl:created_at 2025-01-15T11:40:34.952227 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a5a486fe-7890-4206-808a-edaa3218d33c n6->n4 used n7 app:records/2552 n6->n7 used n8 app:records/2553 n6->n8 used n9 app:records/615 n6->n9 used n10 app:records/2510 n6->n10 used n11 app:records/2554 n6->n11 used n12 app:records/899 n6->n12 used n13 app:records/614 n6->n13 used n14 app:records/2555 n6->n14 used n15 app:records/853 n6->n15 used n16 app:records/897 n6->n16 used n17 app:records/854 n6->n17 used n18 app:records/898 n6->n18 used n19 app:records/895 n6->n19 used n20 app:records/896 n6->n20 used n21 app:records/852 n6->n21 used n22 app:records/894 n6->n22 used n23 app:records/891 n6->n23 used n24 app:records/691 n6->n24 used n25 app:records/690 n6->n25 used n26 app:records/2160 n6->n26 used n27 app:records/2161 n6->n27 used n28 app:records/2162 n6->n28 used n29 app:records/2163 n6->n29 used n30 app:records/2164 n6->n30 used n31 app:records/800 n6->n31 used n32 app:records/801 n6->n32 used n33 app:records/688 n6->n33 used n34 app:records/689 n6->n34 used n35 app:records/686 n6->n35 used n36 app:records/687 n6->n36 used n37 app:records/244 n6->n37 used n38 app:records/684 n6->n38 used n39 app:records/685 n6->n39 used n40 app:records/880 n6->n40 used n41 app:records/440 n6->n41 used n42 app:records/242 n6->n42 used n43 app:records/441 n6->n43 used n44 app:records/243 n6->n44 used n45 app:records/683 n6->n45 used n46 app:records/284 n6->n46 used n47 app:records/2290 n6->n47 used n48 app:records/2331 n6->n48 used n49 app:records/2453 n6->n49 used n50 app:records/2332 n6->n50 used n51 app:records/2454 n6->n51 used n52 app:records/1008 n6->n52 used n53 app:records/758 n6->n53 used n54 app:records/439 n6->n54 used n55 app:records/879 n6->n55 used n56 app:records/1009 n6->n56 used n57 app:records/759 n6->n57 used n58 app:records/756 n6->n58 used n59 app:records/2455 n6->n59 used n60 app:records/878 n6->n60 used n61 app:records/438 n6->n61 used n62 app:records/757 n6->n62 used n63 app:records/435 n6->n63 used n64 app:records/2215 n6->n64 used n65 app:records/754 n6->n65 used n66 app:records/436 n6->n66 used n67 app:records/799 n6->n67 used n68 app:records/755 n6->n68 used n69 app:records/433 n6->n69 used n70 app:records/752 n6->n70 used n71 app:records/873 n6->n71 used n72 app:records/753 n6->n72 used n73 app:records/434 n6->n73 used n74 app:records/871 n6->n74 used n75 app:records/750 n6->n75 used n76 app:records/673 n6->n76 used n79 app:records/872 n6->n79 used n80 app:records/751 n6->n80 used n81 app:records/1010 n6->n81 used n82 app:creditreports/739 n6->n82 used n83 app:records/2382 n6->n83 used n84 app:records/2547 n6->n84 used n85 app:records/2548 n6->n85 used n86 app:records/745 n6->n86 used n87 app:records/900 n6->n87 used n88 app:records/664 n6->n88 used n89 app:records/662 n6->n89 used n90 app:records/663 n6->n90 used n91 app:records/661 n6->n91 used n92 app:records/2508 n6->n92 used n93 app:records/2509 n6->n93 used n94 app:records/183 n6->n94 used n95 app:records/184 n6->n95 used n96 app:records/182 n6->n96 used b93 n6->b93 wasAssociatedWith ann6 prov:startTime 2025-01-15T11:40:34.952000+00:00 prov:endTime 2026-02-19T13:52:34.195000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n105 app:providers/15 n7->n105 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 "273.57" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "10.05" %% xsd:float pl:created_at 2026-02-19T13:52:34.192228 ann7->n7 n8->n105 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 "273.57" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-19T13:52:34.193104 ann8->n8 n11->n105 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 "273.57" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-19T13:52:34.193708 ann9->n11 n14->n105 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "273.57" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-02-19T13:52:34.194315 ann10->n14 n77 app:recommendations/739 n77->n5 wasAttributedTo n77->n6 wasGeneratedBy b4 n77->b4 wasDerivedFrom b5 n77->b5 wasDerivedFrom b6 n77->b6 wasDerivedFrom b7 n77->b7 wasDerivedFrom b8 n77->b8 wasDerivedFrom b9 n77->b9 wasDerivedFrom b10 n77->b10 wasDerivedFrom b11 n77->b11 wasDerivedFrom b12 n77->b12 wasDerivedFrom b13 n77->b13 wasDerivedFrom b14 n77->b14 wasDerivedFrom b15 n77->b15 wasDerivedFrom b16 n77->b16 wasDerivedFrom b17 n77->b17 wasDerivedFrom b18 n77->b18 wasDerivedFrom b19 n77->b19 wasDerivedFrom b20 n77->b20 wasDerivedFrom b21 n77->b21 wasDerivedFrom b22 n77->b22 wasDerivedFrom b23 n77->b23 wasDerivedFrom b24 n77->b24 wasDerivedFrom b25 n77->b25 wasDerivedFrom b26 n77->b26 wasDerivedFrom b27 n77->b27 wasDerivedFrom b28 n77->b28 wasDerivedFrom b29 n77->b29 wasDerivedFrom b30 n77->b30 wasDerivedFrom b31 n77->b31 wasDerivedFrom b32 n77->b32 wasDerivedFrom b33 n77->b33 wasDerivedFrom b34 n77->b34 wasDerivedFrom b35 n77->b35 wasDerivedFrom b36 n77->b36 wasDerivedFrom b37 n77->b37 wasDerivedFrom b38 n77->b38 wasDerivedFrom b39 n77->b39 wasDerivedFrom b40 n77->b40 wasDerivedFrom b41 n77->b41 wasDerivedFrom b42 n77->b42 wasDerivedFrom b43 n77->b43 wasDerivedFrom b44 n77->b44 wasDerivedFrom b45 n77->b45 wasDerivedFrom b46 n77->b46 wasDerivedFrom b47 n77->b47 wasDerivedFrom b48 n77->b48 wasDerivedFrom b49 n77->b49 wasDerivedFrom b50 n77->b50 wasDerivedFrom b51 n77->b51 wasDerivedFrom b52 n77->b52 wasDerivedFrom b53 n77->b53 wasDerivedFrom b54 n77->b54 wasDerivedFrom b55 n77->b55 wasDerivedFrom b56 n77->b56 wasDerivedFrom b57 n77->b57 wasDerivedFrom b58 n77->b58 wasDerivedFrom b59 n77->b59 wasDerivedFrom b60 n77->b60 wasDerivedFrom b61 n77->b61 wasDerivedFrom b62 n77->b62 wasDerivedFrom b63 n77->b63 wasDerivedFrom b64 n77->b64 wasDerivedFrom b65 n77->b65 wasDerivedFrom b66 n77->b66 wasDerivedFrom b67 n77->b67 wasDerivedFrom b68 n77->b68 wasDerivedFrom b69 n77->b69 wasDerivedFrom b70 n77->b70 wasDerivedFrom b71 n77->b71 wasDerivedFrom b72 n77->b72 wasDerivedFrom b73 n77->b73 wasDerivedFrom b74 n77->b74 wasDerivedFrom b75 n77->b75 wasDerivedFrom b76 n77->b76 wasDerivedFrom b77 n77->b77 wasDerivedFrom b78 n77->b78 wasDerivedFrom b79 n77->b79 wasDerivedFrom b80 n77->b80 wasDerivedFrom b81 n77->b81 wasDerivedFrom b82 n77->b82 wasDerivedFrom b83 n77->b83 wasDerivedFrom b84 n77->b84 wasDerivedFrom b85 n77->b85 wasDerivedFrom b86 n77->b86 wasDerivedFrom b87 n77->b87 wasDerivedFrom b88 n77->b88 wasDerivedFrom b89 n77->b89 wasDerivedFrom b90 n77->b90 wasDerivedFrom b91 n77->b91 wasDerivedFrom b92 n77->b92 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-02-19T13:52:34.195244 pl:reason cs:low_credit_score ann11->n77 n78 app:models/creditcard_assessment n99 app:providers/1 n82->n99 wasAttributedTo n100 uuid:4b53833b-a4bd-4d60-a60b-67b871ff9ed8 n82->n100 wasGeneratedBy b97 n82->b97 wasDerivedFrom b98 n82->b98 wasDerivedFrom b99 n82->b99 wasDerivedFrom b100 n82->b100 wasDerivedFrom b101 n82->b101 wasDerivedFrom b102 n82->b102 wasDerivedFrom b103 n82->b103 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 609 pl:created_at 2026-02-19T13:52:34.185418 ann12->n82 ann13 prov:label Natasha Foster prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n97 n98 app:applications/32/id b95 n98->b95 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_applicant_name Natasha Foster cs:attr_dob "2002-12-08" %% xsd:date cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ ann14->n98 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n99 n100->n98 used b96 n100->b96 wasAssociatedWith ann16 prov:startTime 2026-02-19T13:52:34.185000+00:00 prov:endTime 2026-02-19T13:52:34.185000+00:00 prov:type cs:SearchingCreditHistory ann16->n100 n101 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n101 n102 app:records/180 n102->n101 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_from_date "2023-12-01" %% xsd:date pl:created_at 2024-12-16T00:00:00 ann18->n102 n103 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n103 n104 app:records/181 n104->n103 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_first_confirmed "2025-01-04" %% xsd:date cs:attr_last_confirmed "2024-08-08" %% xsd:date cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ pl:created_at 2025-01-15T12:11:07.167925 ann20->n104 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n105 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n68 b5->n29 b6->n63 b7->n12 b8->n62 b9->n35 b10->n15 b11->n73 b12->n4 b13->n22 b14->n49 b15->n50 b16->n80 b17->n38 b18->n67 b19->n45 b20->n95 b21->n89 b22->n82 b23->n56 b24->n19 b25->n69 b26->n21 b27->n39 b28->n79 b29->n26 b30->n76 b31->n54 b32->n43 b33->n72 b34->n20 b35->n36 b36->n17 b37->n44 b38->n96 b39->n75 b40->n87 b41->n53 b42->n91 b43->n61 b44->n18 b45->n8 b46->n47 b47->n51 b48->n83 b49->n33 b50->n37 b51->n32 b52->n46 b53->n55 b54->n11 b55->n31 b56->n13 b57->n70 b58->n42 b59->n93 b60->n66 b61->n59 b62->n64 b63->n74 b64->n86 b65->n90 b66->n52 b67->n58 b68->n25 b69->n60 b70->n16 b71->n40 b72->n94 b73->n30 b74->n85 b75->n28 b76->n57 b77->n81 b78->n84 b79->n9 b80->n23 b81->n71 b82->n48 b83->n10 b84->n24 b85->n65 b86->n14 b87->n34 b88->n27 b89->n7 b90->n92 b91->n41 b92->n88 b93->n5 b93->n78 plan b94->n77 b95->n4 b96->n99 b97->n98 b98->n14 b99->n102 b100->n8 b101->n7 b102->n104 b103->n11