Provenance for Decision #896

Decided on: April 18, 2026, 8:01 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:0ef14b82-87fe-4888-b0db-ab759b873d8d n3 app:applications/401 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2026-04-17T18:53:19.194000+01:00 prov:endTime 2026-04-18T20:01:30.503000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/401 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY cs:attr_annual_income 119000 cs:attr_applicant_name Rosemary Brown cs:attr_dob "1986-12-24" %% xsd:date cs:attr_email_address xhughes@example.org cs:attr_emp_length 16 cs:attr_emp_title Statistician cs:attr_home_ownership 4 cs:attr_phone_number +441632 960 955 cs:attr_prev_address 0 Wilson orchard, Lake Lindsey, IG1 2RW pl:created_at 2026-04-17T18:53:19.194597 ann3->n3 n4 app:decisions/896 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b9 n4->b9 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 2026-04-18T20:01:30.503685 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:af308d7a-d55c-4ecd-9384-db9078821ac9 n6->n3 used n9 app:creditreports/896 n6->n9 used n10 app:records/3040 n6->n10 used n11 app:records/3039 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2026-04-17T18:53:19.194000+01:00 prov:endTime 2026-04-18T20:01:30.503000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/896 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-18T20:01:30.503685 pl:reason cs:low_credit_score ann7->n8 n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:b43b987d-ef24-42b9-93df-49d643e01d95 n9->n15 wasGeneratedBy b11 n9->b11 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 641 pl:created_at 2026-04-18T20:01:30.495604 ann8->n9 n20 app:providers/14 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 "653.03" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "19.03" %% xsd:float pl:created_at 2026-04-18T20:01:30.502810 ann9->n10 n11->n20 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "653.03" %% xsd:float cs:attr_credit_limit "1200.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "36.47" %% xsd:float pl:created_at 2026-04-18T20:01:30.502061 ann10->n11 ann11 prov:label Rosemary Brown prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/401/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY cs:attr_applicant_name Rosemary Brown cs:attr_dob "1986-12-24" %% xsd:date cs:attr_prev_address 0 Wilson orchard, Lake Lindsey, IG1 2RW ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2026-04-18T20:01:30.495000+01:00 prov:endTime 2026-04-18T20:01:30.495000+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/3037 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY cs:attr_from_date "2024-05-18" %% xsd:date pl:created_at 2026-03-19T00:00:00 ann16->n17 n18 app:providers/13 ann17 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/3038 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY cs:attr_first_confirmed "2026-04-01" %% xsd:date cs:attr_last_confirmed "2025-12-17" %% xsd:date cs:attr_prev_address 0 Wilson orchard, Lake Lindsey, IG1 2RW pl:created_at 2026-04-18T20:01:30.500661 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n9 b6->n11 b7->n10 b8->n3 b9->n8 b10->n3 b11->n13 b12->n14 b13->n19 b14->n10 b15->n11 b16->n17