Provenance for Decision #789

Decided on: March 10, 2026, 1:12 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:c13d08fc-5cdc-437d-b2e4-a8580213ced5 n3 app:applications/125 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2026-03-10T13:12:49.092000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n54 app:applicants/125 n3->n54 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_annual_income 17000 cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_email_address chambersjames@example.com cs:attr_emp_length 4 cs:attr_emp_title Insurance underwriter cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1314960556 cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-25T19:57:55.598518 ann3->n3 n4 app:decisions/789 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b51 n4->b51 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 2026-03-10T13:12:49.092880 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:165dd2f3-e9f4-49fd-8af3-4e3ef786a7bd n6->n3 used n7 app:records/1461 n6->n7 used n8 app:records/2432 n6->n8 used n9 app:records/2613 n6->n9 used n10 app:records/1348 n6->n10 used n11 app:records/2614 n6->n11 used n12 app:records/1349 n6->n12 used n13 app:records/2615 n6->n13 used n14 app:records/2616 n6->n14 used n15 app:records/1289 n6->n15 used n16 app:records/2433 n6->n16 used n17 app:records/2610 n6->n17 used n18 app:records/2434 n6->n18 used n19 app:records/2435 n6->n19 used n20 app:creditreports/789 n6->n20 used n21 app:records/1346 n6->n21 used n22 app:records/1445 n6->n22 used n23 app:records/2611 n6->n23 used n24 app:records/1347 n6->n24 used n25 app:records/1446 n6->n25 used n26 app:records/2612 n6->n26 used n28 app:records/2617 n6->n28 used n29 app:records/2716 n6->n29 used n30 app:records/2618 n6->n30 used n31 app:records/1969 n6->n31 used n32 app:records/2619 n6->n32 used n33 app:records/1290 n6->n33 used n34 app:records/1291 n6->n34 used n35 app:records/2023 n6->n35 used n36 app:records/2024 n6->n36 used n37 app:records/2486 n6->n37 used n38 app:records/2025 n6->n38 used n39 app:records/2487 n6->n39 used n40 app:records/1292 n6->n40 used n41 app:records/806 n6->n41 used n42 app:records/807 n6->n42 used n43 app:records/804 n6->n43 used n44 app:records/2503 n6->n44 used n45 app:records/805 n6->n45 used n46 app:records/2026 n6->n46 used n47 app:records/2488 n6->n47 used n48 app:records/2489 n6->n48 used n49 app:records/2606 n6->n49 used n50 app:records/2607 n6->n50 used n51 app:records/2608 n6->n51 used n53 app:records/2609 n6->n53 used b50 n6->b50 wasAssociatedWith ann6 prov:startTime 2025-06-25T19:57:55.598000+01:00 prov:endTime 2026-03-10T13:12:49.092000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n56 app:providers/1 n20->n56 wasAttributedTo n57 uuid:85f7b01b-73d9-44c6-bc31-f563a785f707 n20->n57 wasGeneratedBy b54 n20->b54 wasDerivedFrom b55 n20->b55 wasDerivedFrom b56 n20->b56 wasDerivedFrom b57 n20->b57 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 560 pl:created_at 2026-03-10T13:12:49.086428 ann7->n20 n27 app:models/creditcard_assessment n62 app:providers/15 n29->n62 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 "868.65" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-03-10T13:12:49.091751 ann8->n29 n52 app:recommendations/789 n52->n5 wasAttributedTo n52->n6 wasGeneratedBy b4 n52->b4 wasDerivedFrom b5 n52->b5 wasDerivedFrom b6 n52->b6 wasDerivedFrom b7 n52->b7 wasDerivedFrom b8 n52->b8 wasDerivedFrom b9 n52->b9 wasDerivedFrom b10 n52->b10 wasDerivedFrom b11 n52->b11 wasDerivedFrom b12 n52->b12 wasDerivedFrom b13 n52->b13 wasDerivedFrom b14 n52->b14 wasDerivedFrom b15 n52->b15 wasDerivedFrom b16 n52->b16 wasDerivedFrom b17 n52->b17 wasDerivedFrom b18 n52->b18 wasDerivedFrom b19 n52->b19 wasDerivedFrom b20 n52->b20 wasDerivedFrom b21 n52->b21 wasDerivedFrom b22 n52->b22 wasDerivedFrom b23 n52->b23 wasDerivedFrom b24 n52->b24 wasDerivedFrom b25 n52->b25 wasDerivedFrom b26 n52->b26 wasDerivedFrom b27 n52->b27 wasDerivedFrom b28 n52->b28 wasDerivedFrom b29 n52->b29 wasDerivedFrom b30 n52->b30 wasDerivedFrom b31 n52->b31 wasDerivedFrom b32 n52->b32 wasDerivedFrom b33 n52->b33 wasDerivedFrom b34 n52->b34 wasDerivedFrom b35 n52->b35 wasDerivedFrom b36 n52->b36 wasDerivedFrom b37 n52->b37 wasDerivedFrom b38 n52->b38 wasDerivedFrom b39 n52->b39 wasDerivedFrom b40 n52->b40 wasDerivedFrom b41 n52->b41 wasDerivedFrom b42 n52->b42 wasDerivedFrom b43 n52->b43 wasDerivedFrom b44 n52->b44 wasDerivedFrom b45 n52->b45 wasDerivedFrom b46 n52->b46 wasDerivedFrom b47 n52->b47 wasDerivedFrom b48 n52->b48 wasDerivedFrom b49 n52->b49 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-03-10T13:12:49.092880 pl:reason cs:low_credit_score ann9->n52 ann10 prov:label Margaret Byrne prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n54 n55 app:applications/125/id b52 n55->b52 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_applicant_name Margaret Byrne cs:attr_dob "1992-12-09" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW ann11->n55 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n56 n57->n55 used b53 n57->b53 wasAssociatedWith ann13 prov:startTime 2026-03-10T13:12:49.086000+00:00 prov:endTime 2026-03-10T13:12:49.086000+00:00 prov:type cs:SearchingCreditHistory ann13->n57 n58 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n58 n59 app:records/802 n59->n58 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_from_date "2025-01-12" %% xsd:date pl:created_at 2025-06-04T00:00:00 ann15->n59 n60 app:providers/12 ann16 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n60 n61 app:records/803 n61->n60 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 04S, Paige ranch, Brownetown, HS51 1FY cs:attr_first_confirmed "2025-06-01" %% xsd:date cs:attr_last_confirmed "2025-02-05" %% xsd:date cs:attr_prev_address 1 Nigel dam, Melissaville, PH7H 5ZW pl:created_at 2025-06-27T14:05:01.250383 ann17->n61 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n62 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n42 b5->n33 b6->n36 b7->n30 b8->n53 b9->n26 b10->n22 b11->n49 b12->n23 b13->n47 b14->n25 b15->n17 b16->n46 b17->n31 b18->n10 b19->n11 b20->n40 b21->n8 b22->n24 b23->n39 b24->n3 b25->n38 b26->n9 b27->n50 b28->n7 b29->n19 b30->n15 b31->n29 b32->n14 b33->n28 b34->n37 b35->n18 b36->n45 b37->n21 b38->n12 b39->n13 b40->n34 b41->n20 b42->n41 b43->n16 b44->n32 b45->n48 b46->n35 b47->n51 b48->n43 b49->n44 b50->n5 b50->n27 plan b51->n52 b52->n3 b53->n56 b54->n55 b55->n61 b56->n29 b57->n59