Provenance for Decision #863

Decided on: April 10, 2026, 6:28 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:c1bfb7fb-b43b-426f-97f8-0af4d576f561 n4 app:applications/393 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-04-08T14:07:01.734000+01:00 prov:endTime 2026-04-10T06:28:00.413000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/863 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 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 2026-04-10T06:28:00.413614 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/393 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 15d, Gary squares, West Katherineborough, SL33 7AT cs:attr_annual_income 116000 cs:attr_applicant_name Victoria Hughes cs:attr_dob "1999-07-21" %% xsd:date cs:attr_email_address marcussmith@example.net cs:attr_emp_length 4 cs:attr_emp_title Broadcast journalist cs:attr_home_ownership 4 cs:attr_phone_number 0116 4960808 cs:attr_prev_address Studio 90Y, Hollie overpass, Port Iain, M4T 2UD pl:created_at 2026-04-08T14:07:01.734258 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd n6->n4 used n8 app:records/2936 n6->n8 used n10 app:records/2935 n6->n10 used n11 app:creditreports/863 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2026-04-08T14:07:01.734000+01:00 prov:endTime 2026-04-10T06:28:00.413000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/15 n8->n20 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 "1238.14" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "50.1" %% xsd:float pl:created_at 2026-04-10T06:28:00.412686 ann7->n8 n9 app:recommendations/863 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-10T06:28:00.413614 pl:reason cs:low_credit_score ann8->n9 n10->n20 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1238.14" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "58.93" %% xsd:float pl:created_at 2026-04-10T06:28:00.411932 ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:1d569ef6-8d4c-4964-a85b-81ea3943f673 n11->n15 wasGeneratedBy b12 n11->b12 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 551 pl:created_at 2026-04-10T06:28:00.405730 ann10->n11 ann11 prov:label Victoria Hughes prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/393/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 15d, Gary squares, West Katherineborough, SL33 7AT cs:attr_applicant_name Victoria Hughes cs:attr_dob "1999-07-21" %% xsd:date cs:attr_prev_address Studio 90Y, Hollie overpass, Port Iain, M4T 2UD 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 2026-04-10T06:28:00.405000+01:00 prov:endTime 2026-04-10T06:28:00.405000+01:00 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/2933 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 15d, Gary squares, West Katherineborough, SL33 7AT cs:attr_from_date "2024-11-19" %% xsd:date pl:created_at 2026-04-01T00:00:00 ann16->n17 n18 app:providers/9 ann17 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/2934 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 15d, Gary squares, West Katherineborough, SL33 7AT cs:attr_first_confirmed "2026-04-01" %% xsd:date cs:attr_last_confirmed "2025-12-23" %% xsd:date cs:attr_prev_address Studio 90Y, Hollie overpass, Port Iain, M4T 2UD pl:created_at 2026-04-10T06:28:00.410512 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n4 b5->n11 b6->n8 b7->n10 b8->n5 b8->n7 plan b9->n9 b10->n4 b11->n14 b12->n13 b13->n19 b14->n8 b15->n10 b16->n17