Provenance for Decision #818

Decided on: March 18, 2026, 1:02 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:92d155a4-aa99-4884-86c1-18da8200fc93 n4 app:applications/379 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-03-18T00:50:59.582000+00:00 prov:endTime 2026-03-18T13:02:58.936000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/818 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b13 n3->b13 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 2026-03-18T13:02:58.936341 pl:reason cs:low_credit_score ann3->n3 n16 app:applicants/379 n4->n16 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 06, Hall courts, Harperland, EC1X 0TH cs:attr_annual_income 115000 cs:attr_applicant_name Ryan Harding cs:attr_dob "1970-12-12" %% xsd:date cs:attr_email_address richardsgeoffrey@example.org cs:attr_emp_length 19 cs:attr_emp_title Higher education lecturer cs:attr_home_ownership 4 cs:attr_phone_number (0118)4960923 cs:attr_prev_address Studio 4, Ryan camp, Abdulbury, LS01 1UX pl:created_at 2026-03-18T00:50:59.582226 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:fc8af256-bc83-4b7d-9d31-f511893d4504 n6->n4 used n8 app:records/2795 n6->n8 used n9 app:records/2804 n6->n9 used n10 app:records/2805 n6->n10 used n11 app:creditreports/818 n6->n11 used n12 app:records/2806 n6->n12 used n14 app:records/2796 n6->n14 used n15 app:records/2797 n6->n15 used b12 n6->b12 wasAssociatedWith ann6 prov:startTime 2026-03-18T00:50:59.582000+00:00 prov:endTime 2026-03-18T13:02:58.936000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n24 app:providers/15 n9->n24 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 "712.5" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "57.0" %% xsd:float pl:created_at 2026-03-18T13:02:58.934103 ann7->n9 n10->n24 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 "712.5" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "23.58" %% xsd:float pl:created_at 2026-03-18T13:02:58.934852 ann8->n10 n18 app:providers/1 n11->n18 wasAttributedTo n19 uuid:a840346b-6d88-458f-88c1-faf470b65c7c n11->n19 wasGeneratedBy b15 n11->b15 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom b19 n11->b19 wasDerivedFrom b20 n11->b20 wasDerivedFrom b21 n11->b21 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 500 pl:created_at 2026-03-18T13:02:58.930610 ann9->n11 n12->n24 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 "712.5" %% xsd:float cs:attr_credit_limit "800.0" %% xsd:float cs:attr_month Aug-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-03-18T13:02:58.935441 ann10->n12 n13 app:recommendations/818 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b4 n13->b4 wasDerivedFrom b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom b10 n13->b10 wasDerivedFrom b11 n13->b11 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-03-18T13:02:58.936341 pl:reason cs:low_credit_score ann11->n13 ann12 prov:label Ryan Harding prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n16 n17 app:applications/379/id b14 n17->b14 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 06, Hall courts, Harperland, EC1X 0TH cs:attr_applicant_name Ryan Harding cs:attr_dob "1970-12-12" %% xsd:date cs:attr_prev_address Studio 4, Ryan camp, Abdulbury, LS01 1UX ann13->n17 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n18 n19->n17 used b16 n19->b16 wasAssociatedWith ann15 prov:startTime 2026-03-18T13:02:58.930000+00:00 prov:endTime 2026-03-18T13:02:58.930000+00:00 prov:type cs:SearchingCreditHistory ann15->n19 n20 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n20 n21 app:records/2793 n21->n20 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 06, Hall courts, Harperland, EC1X 0TH cs:attr_from_date "2025-11-18" %% xsd:date pl:created_at 2026-02-17T00:00:00 ann17->n21 n22 app:providers/12 ann18 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n22 n23 app:records/2794 n23->n22 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 06, Hall courts, Harperland, EC1X 0TH cs:attr_first_confirmed "2026-03-04" %% xsd:date cs:attr_last_confirmed "2025-09-03" %% xsd:date cs:attr_prev_address Studio 4, Ryan camp, Abdulbury, LS01 1UX pl:created_at 2026-03-18T08:49:27.352956 ann19->n23 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n24 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n8 b5->n4 b6->n11 b7->n12 b8->n9 b9->n15 b10->n14 b11->n10 b12->n5 b12->n7 plan b13->n13 b14->n4 b15->n17 b16->n18 b17->n10 b18->n9 b19->n23 b20->n12 b21->n21