Provenance for Decision #898

Decided on: April 19, 2026, 11:30 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:02694e2d-3827-498b-ab7a-d033344a8c95 n3 app:applications/400 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-04-17T11:32:59.469000+01:00 prov:endTime 2026-04-19T23:30:37.786000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/400 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 3 Nicholson knolls, South Lewismouth, G86 3LG cs:attr_annual_income 41000 cs:attr_applicant_name Christian Taylor cs:attr_dob "1995-08-28" %% xsd:date cs:attr_email_address alexoneill@example.com cs:attr_emp_length 7 cs:attr_emp_title Multimedia specialist cs:attr_home_ownership 1 cs:attr_phone_number 01214960469 cs:attr_prev_address 30 Sykes loaf, Janicestad, PA73 8HT pl:created_at 2026-04-17T11:32:59.469842 ann3->n3 n4 app:decisions/898 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 2026-04-19T23:30:37.786693 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:e726f92f-8c56-4986-b180-c9de03b779fd n6->n3 used n7 app:records/3046 n6->n7 used n10 app:creditreports/898 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-04-17T11:32:59.469000+01:00 prov:endTime 2026-04-19T23:30:37.786000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n19 app:providers/15 n7->n19 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 "955.61" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jul-2025 cs:attr_payment_amount "28.55" %% xsd:float pl:created_at 2026-04-19T23:30:37.785759 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/898 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-04-19T23:30:37.786693 pl:reason cs:low_credit_score ann8->n9 n13 app:providers/1 n10->n13 wasAttributedTo n14 uuid:807d2377-4e46-43aa-9b8c-3e9d8b747610 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 252 pl:created_at 2026-04-19T23:30:37.779622 ann9->n10 ann10 prov:label Christian Taylor prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/400/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 3 Nicholson knolls, South Lewismouth, G86 3LG cs:attr_applicant_name Christian Taylor cs:attr_dob "1995-08-28" %% xsd:date cs:attr_prev_address 30 Sykes loaf, Janicestad, PA73 8HT 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 2026-04-19T23:30:37.779000+01:00 prov:endTime 2026-04-19T23:30:37.779000+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/3044 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 3 Nicholson knolls, South Lewismouth, G86 3LG cs:attr_from_date "2024-04-01" %% xsd:date pl:created_at 2026-03-31T00:00:00 ann15->n16 n17 app:providers/5 ann16 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/3045 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 3 Nicholson knolls, South Lewismouth, G86 3LG cs:attr_first_confirmed "2026-04-05" %% xsd:date cs:attr_last_confirmed "2026-02-10" %% xsd:date cs:attr_prev_address 30 Sykes loaf, Janicestad, PA73 8HT pl:created_at 2026-04-19T23:30:37.784226 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->n3 b5->n7 b6->n10 b7->n5 b7->n8 plan b8->n9 b9->n3 b10->n13 b11->n12 b12->n18 b13->n7 b14->n16