Provenance for Decision #857

Decided on: April 6, 2026, 8:04 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:f6935804-1291-4951-9fe1-158bccf033bf n4 app:applications/392 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-04-06T19:19:25.651000+01:00 prov:endTime 2026-04-06T20:04:43.267000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/857 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b8 n3->b8 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 2026-04-06T20:04:43.267287 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/392 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 48 Johnson circle, New Gavinmouth, M0 0JB cs:attr_annual_income 51000 cs:attr_applicant_name Sian Ward cs:attr_dob "1963-12-13" %% xsd:date cs:attr_email_address callum68@example.org cs:attr_emp_length 25 cs:attr_emp_title Horticultural therapist cs:attr_home_ownership 1 cs:attr_phone_number +44191 496 0303 cs:attr_prev_address 9 Tracey loop, Gibsonstad, N4F 3QE pl:created_at 2026-04-06T19:19:25.651449 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a59430ec-3c9e-40de-8184-623e2e17a8be n6->n4 used n7 app:creditreports/857 n6->n7 used n10 app:records/2917 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-04-06T19:19:25.651000+01:00 prov:endTime 2026-04-06T20:04:43.267000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n13 app:providers/1 n7->n13 wasAttributedTo n14 uuid:5ae19138-7313-47ac-81c9-54e43cf21f1b n7->n14 wasGeneratedBy b11 n7->b11 wasDerivedFrom b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 554 pl:created_at 2026-04-06T20:04:43.260354 ann7->n7 n8 app:recommendations/857 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-06T20:04:43.267287 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n19 app:providers/15 n10->n19 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 "1144.87" %% xsd:float cs:attr_credit_limit "1800.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-04-06T20:04:43.266349 ann9->n10 ann10 prov:label Sian Ward prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/392/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 48 Johnson circle, New Gavinmouth, M0 0JB cs:attr_applicant_name Sian Ward cs:attr_dob "1963-12-13" %% xsd:date cs:attr_prev_address 9 Tracey loop, Gibsonstad, N4F 3QE ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b10 n14->b10 wasAssociatedWith ann13 prov:startTime 2026-04-06T20:04:43.260000+01:00 prov:endTime 2026-04-06T20:04:43.260000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/2915 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 48 Johnson circle, New Gavinmouth, M0 0JB cs:attr_from_date "2026-02-03" %% xsd:date pl:created_at 2026-03-13T00:00:00 ann15->n16 n17 app:providers/3 ann16 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/2916 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 48 Johnson circle, New Gavinmouth, M0 0JB cs:attr_first_confirmed "2026-03-28" %% xsd:date cs:attr_last_confirmed "2025-06-21" %% xsd:date cs:attr_prev_address 9 Tracey loop, Gibsonstad, N4F 3QE pl:created_at 2026-04-06T20:04:43.264908 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n7 b6->n4 b7->n5 b7->n9 plan b8->n8 b9->n4 b10->n13 b11->n12 b12->n18 b13->n10 b14->n16