Provenance for Decision #814

Decided on: March 18, 2026, 8:47 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:bfad1314-231c-47ed-87b9-edd277965cc2 n4 app:applications/380 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-03-18T08:47:33.213000+00:00 prov:endTime 2026-03-18T08:47:56.632000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/814 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b9 n3->b9 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 2026-03-18T08:47:56.632418 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/380 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 40, Andrews prairie, North Jacob, BR3B 3HT cs:attr_annual_income 53000 cs:attr_applicant_name Leah Morgan cs:attr_dob "1955-11-29" %% xsd:date cs:attr_email_address carl68@example.org cs:attr_emp_length 22 cs:attr_emp_title Minerals surveyor cs:attr_home_ownership 4 cs:attr_phone_number +44(0)20 7496 0169 cs:attr_prev_address Flat 27T, Shah station, Mayville, S76 2GL pl:created_at 2026-03-18T08:47:33.213523 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:64173a34-f6f5-4a69-94c0-3fb40110c224 n6->n4 used n8 app:records/2792 n6->n8 used n9 app:creditreports/814 n6->n9 used n11 app:records/2791 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-03-18T08:47:33.213000+00:00 prov:endTime 2026-03-18T08:47:56.632000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/814 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-03-18T08:47:56.632418 pl:reason cs:low_credit_score ann7->n7 n20 app:providers/14 n8->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 "139.87" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "7.12" %% xsd:float pl:created_at 2026-03-18T08:47:56.631537 ann8->n8 n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:4e88b88f-92f0-42a4-bc86-5659b3f2db99 n9->n15 wasGeneratedBy b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 616 pl:created_at 2026-03-18T08:47:56.624333 ann9->n9 n10 app:models/creditcard_assessment n11->n20 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 "139.87" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "10.03" %% xsd:float pl:created_at 2026-03-18T08:47:56.630805 ann10->n11 ann11 prov:label Leah Morgan prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/380/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 40, Andrews prairie, North Jacob, BR3B 3HT cs:attr_applicant_name Leah Morgan cs:attr_dob "1955-11-29" %% xsd:date cs:attr_prev_address Flat 27T, Shah station, Mayville, S76 2GL ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2026-03-18T08:47:56.624000+00:00 prov:endTime 2026-03-18T08:47:56.624000+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/2789 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 40, Andrews prairie, North Jacob, BR3B 3HT cs:attr_from_date "2025-10-12" %% xsd:date pl:created_at 2026-02-26T00:00:00 ann16->n17 n18 app:providers/3 ann17 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2790 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 40, Andrews prairie, North Jacob, BR3B 3HT cs:attr_first_confirmed "2026-03-14" %% xsd:date cs:attr_last_confirmed "2025-09-23" %% xsd:date cs:attr_prev_address Flat 27T, Shah station, Mayville, S76 2GL pl:created_at 2026-03-18T08:47:56.629415 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n11 b5->n8 b6->n9 b7->n4 b8->n5 b8->n10 plan b9->n7 b10->n4 b11->n14 b12->n13 b13->n19 b14->n8 b15->n11 b16->n17