Provenance for Decision #897

Decided on: April 19, 2026, 11:29 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:f0539a8d-3151-48e1-b035-c1b367a9ed61 n3 app:applications/403 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-04-19T23:10:42.835000+01:00 prov:endTime 2026-04-19T23:29:48.881000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/403 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 85 Jacob extensions, Jacksonfort, WS5 6HE cs:attr_annual_income 65000 cs:attr_applicant_name Jenna Berry cs:attr_dob "2001-01-05" %% xsd:date cs:attr_email_address rnelson@example.org cs:attr_emp_length 6 cs:attr_emp_title Acupuncturist cs:attr_home_ownership 1 cs:attr_phone_number (0161) 4960098 cs:attr_prev_address Flat 93, Nicole meadow, West Fionachester, L4 1RS pl:created_at 2026-04-19T23:10:42.835194 ann3->n3 n4 app:decisions/897 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b8 n4->b8 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 2026-04-19T23:29:48.881968 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:95884dce-fb2d-4d38-af57-f677b3a467a6 n6->n3 used n9 app:records/3043 n6->n9 used n10 app:creditreports/897 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-04-19T23:10:42.835000+01:00 prov:endTime 2026-04-19T23:29:48.881000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/897 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-19T23:29:48.881968 pl:reason cs:low_credit_score ann7->n8 n19 app:providers/15 n9->n19 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 "1602.47" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "46.78" %% xsd:float pl:created_at 2026-04-19T23:29:48.880927 ann8->n9 n13 app:providers/1 n10->n13 wasAttributedTo n14 uuid:7956beb5-7178-44cc-a942-a3eeefb0643d n10->n14 wasGeneratedBy b11 n10->b11 wasDerivedFrom b12 n10->b12 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 167 pl:created_at 2026-04-19T23:29:48.874273 ann9->n10 ann10 prov:label Jenna Berry prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/403/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 85 Jacob extensions, Jacksonfort, WS5 6HE cs:attr_applicant_name Jenna Berry cs:attr_dob "2001-01-05" %% xsd:date cs:attr_prev_address Flat 93, Nicole meadow, West Fionachester, L4 1RS 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 2026-04-19T23:29:48.874000+01:00 prov:endTime 2026-04-19T23:29:48.874000+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/3041 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 85 Jacob extensions, Jacksonfort, WS5 6HE cs:attr_from_date "2025-03-04" %% xsd:date pl:created_at 2026-04-11T00:00:00 ann15->n16 n17 app:providers/7 ann16 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/3042 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 85 Jacob extensions, Jacksonfort, WS5 6HE cs:attr_first_confirmed "2026-04-04" %% xsd:date cs:attr_last_confirmed "2025-11-08" %% xsd:date cs:attr_prev_address Flat 93, Nicole meadow, West Fionachester, L4 1RS pl:created_at 2026-04-19T23:29:48.879311 ann17->n18 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n10 b5->n9 b6->n3 b7->n5 b7->n7 plan b8->n8 b9->n3 b10->n13 b11->n12 b12->n18 b13->n9 b14->n16