Provenance for Decision #894

Decided on: April 18, 2026, 5:06 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:2ef62b92-bf99-4341-875e-6517121fb769 n3 app:applications/399 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-04-15T11:37:15.308000+01:00 prov:endTime 2026-04-18T05:06:52.256000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n17 app:applicants/399 n3->n17 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY cs:attr_annual_income 111000 cs:attr_applicant_name Phillip Morris cs:attr_dob "1991-09-25" %% xsd:date cs:attr_email_address briannaylor@example.net cs:attr_emp_length 7 cs:attr_emp_title Print production planner cs:attr_home_ownership 1 cs:attr_phone_number +44808 1570352 cs:attr_prev_address Studio 26, Pritchard gateway, Chamberlainchester, WS21 0JX pl:created_at 2026-04-15T11:37:15.308245 ann3->n3 n4 app:decisions/894 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b14 n4->b14 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2026-04-18T05:06:52.256378 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d n6->n3 used n8 app:records/3030 n6->n8 used n9 app:records/3020 n6->n9 used n10 app:records/3031 n6->n10 used n11 app:records/3021 n6->n11 used n12 app:records/3032 n6->n12 used n14 app:creditreports/894 n6->n14 used n15 app:records/3028 n6->n15 used n16 app:records/3029 n6->n16 used b13 n6->b13 wasAssociatedWith ann6 prov:startTime 2026-04-15T11:37:15.308000+01:00 prov:endTime 2026-04-18T05:06:52.256000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n25 app:providers/14 n12->n25 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "11.95" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-04-18T05:06:52.255241 ann7->n12 n13 app:recommendations/894 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 b12 n13->b12 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-18T05:06:52.256378 pl:reason cs:low_credit_score ann8->n13 n19 app:providers/1 n14->n19 wasAttributedTo n20 uuid:7f17fe0b-02f0-4e7e-acfa-b4abcc8b309a n14->n20 wasGeneratedBy b16 n14->b16 wasDerivedFrom b18 n14->b18 wasDerivedFrom b19 n14->b19 wasDerivedFrom b20 n14->b20 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 608 pl:created_at 2026-04-18T05:06:52.250751 ann9->n14 ann10 prov:label Phillip Morris prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n17 n18 app:applications/399/id b15 n18->b15 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY cs:attr_applicant_name Phillip Morris cs:attr_dob "1991-09-25" %% xsd:date cs:attr_prev_address Studio 26, Pritchard gateway, Chamberlainchester, WS21 0JX ann11->n18 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n19 n20->n18 used b17 n20->b17 wasAssociatedWith ann13 prov:startTime 2026-04-18T05:06:52.250000+01:00 prov:endTime 2026-04-18T05:06:52.250000+01:00 prov:type cs:SearchingCreditHistory ann13->n20 n21 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n21 n22 app:records/3018 n22->n21 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY cs:attr_from_date "2024-10-24" %% xsd:date pl:created_at 2026-03-25T00:00:00 ann15->n22 n23 app:providers/4 ann16 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n23 n24 app:records/3019 n24->n23 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY cs:attr_first_confirmed "2026-04-05" %% xsd:date cs:attr_last_confirmed "2025-05-18" %% xsd:date cs:attr_prev_address Studio 26, Pritchard gateway, Chamberlainchester, WS21 0JX pl:created_at 2026-04-16T14:37:27.157097 ann17->n24 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n25 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n12 b6->n9 b7->n8 b8->n3 b9->n14 b10->n15 b11->n11 b12->n16 b13->n5 b13->n7 plan b14->n13 b15->n3 b16->n18 b17->n19 b18->n24 b19->n12 b20->n22