Provenance for Decision #858

Decided on: April 7, 2026, 2:04 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:90689ded-668d-4e4d-8e01-8ab102d96c07 n4 app:applications/391 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-04-05T13:14:32.669000+01:00 prov:endTime 2026-04-07T02:04:26.934000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/858 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 wasDerivedFrom b15 n3->b15 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 2026-04-07T02:04:26.934971 pl:reason cs:low_credit_score ann3->n3 n18 app:applicants/391 n4->n18 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Jemma plains, Port Royberg, BN9V 2EE cs:attr_annual_income 87000 cs:attr_applicant_name Toby Dunn-Spencer cs:attr_dob "2004-10-17" %% xsd:date cs:attr_email_address lindsey39@example.org cs:attr_emp_length 1 cs:attr_emp_title Secondary school teacher cs:attr_home_ownership 2 cs:attr_phone_number (0161) 4960750 cs:attr_prev_address 91 Russell street, Burkeport, IV01 9AE pl:created_at 2026-04-05T13:14:32.669218 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8 n6->n4 used n8 app:records/2918 n6->n8 used n9 app:creditreports/858 n6->n9 used n10 app:records/2919 n6->n10 used n12 app:records/2903 n6->n12 used n13 app:records/2904 n6->n13 used n14 app:records/2905 n6->n14 used n15 app:records/2921 n6->n15 used n16 app:records/2902 n6->n16 used n17 app:records/2920 n6->n17 used b14 n6->b14 wasAssociatedWith ann6 prov:startTime 2026-04-05T13:14:32.669000+01:00 prov:endTime 2026-04-07T02:04:26.934000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:recommendations/858 n7->n5 wasAttributedTo n7->n6 wasGeneratedBy b4 n7->b4 wasDerivedFrom b5 n7->b5 wasDerivedFrom b6 n7->b6 wasDerivedFrom b7 n7->b7 wasDerivedFrom b8 n7->b8 wasDerivedFrom b9 n7->b9 wasDerivedFrom b10 n7->b10 wasDerivedFrom b11 n7->b11 wasDerivedFrom b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-07T02:04:26.934971 pl:reason cs:low_credit_score ann7->n7 n26 app:providers/15 n8->n26 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 "856.22" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "16.05" %% xsd:float pl:created_at 2026-04-07T02:04:26.932077 ann8->n8 n20 app:providers/1 n9->n20 wasAttributedTo n21 uuid:419cfa65-5357-409e-94fb-7c189ff41d3f n9->n21 wasGeneratedBy b18 n9->b18 wasDerivedFrom b19 n9->b19 wasDerivedFrom b20 n9->b20 wasDerivedFrom b21 n9->b21 wasDerivedFrom b22 n9->b22 wasDerivedFrom b23 n9->b23 wasDerivedFrom b24 n9->b24 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 696 pl:created_at 2026-04-07T02:04:26.928096 ann9->n9 n10->n26 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 "856.22" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-04-07T02:04:26.932890 ann10->n10 n11 app:models/creditcard_assessment n15->n26 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "856.22" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "34.74" %% xsd:float pl:created_at 2026-04-07T02:04:26.934067 ann11->n15 n17->n26 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "856.22" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Apr-2026 cs:attr_payment_amount "14.51" %% xsd:float pl:created_at 2026-04-07T02:04:26.933496 ann12->n17 ann13 prov:label Toby Dunn-Spencer prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n18 n19 app:applications/391/id b16 n19->b16 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Jemma plains, Port Royberg, BN9V 2EE cs:attr_applicant_name Toby Dunn-Spencer cs:attr_dob "2004-10-17" %% xsd:date cs:attr_prev_address 91 Russell street, Burkeport, IV01 9AE ann14->n19 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n20 n21->n19 used b17 n21->b17 wasAssociatedWith ann16 prov:startTime 2026-04-07T02:04:26.928000+01:00 prov:endTime 2026-04-07T02:04:26.928000+01:00 prov:type cs:SearchingCreditHistory ann16->n21 n22 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n22 n23 app:records/2900 n23->n22 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Jemma plains, Port Royberg, BN9V 2EE cs:attr_from_date "2023-10-23" %% xsd:date pl:created_at 2026-03-11T00:00:00 ann18->n23 n24 app:providers/3 ann19 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n24 n25 app:records/2901 n25->n24 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Jemma plains, Port Royberg, BN9V 2EE cs:attr_first_confirmed "2026-03-09" %% xsd:date cs:attr_last_confirmed "2025-07-07" %% xsd:date cs:attr_prev_address 91 Russell street, Burkeport, IV01 9AE pl:created_at 2026-04-05T20:19:30.106901 ann20->n25 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n26 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n12 b5->n9 b6->n10 b7->n16 b8->n4 b9->n17 b10->n13 b11->n14 b12->n15 b13->n8 b14->n5 b14->n11 plan b15->n7 b16->n4 b17->n20 b18->n19 b19->n17 b20->n10 b21->n23 b22->n15 b23->n8 b24->n25