Provenance for Decision #93

Decided on: March 13, 2025, 5:54 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:d62dec16-0a71-4701-8e0f-136614175780 n3 app:applications/63 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-03-13T17:54:30.574000+00:00 prov:endTime 2025-03-13T17:54:46.528000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/63 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 332 George brooks, Smithshire, WS8N 9HQ cs:attr_annual_income 19000 cs:attr_applicant_name Lesley Foster cs:attr_dob "1967-12-09" %% xsd:date cs:attr_email_address haywardcameron@example.net cs:attr_emp_length 8 cs:attr_emp_title Editorial assistant cs:attr_home_ownership 2 cs:attr_phone_number (0808)1570583 cs:attr_prev_address 03 Wright fords, Careyview, HS0H 9PY pl:created_at 2025-03-13T17:54:30.574791 ann3->n3 n4 app:decisions/93 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b11 n4->b11 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 2025-03-13T17:54:46.528735 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:aa44726d-aebf-4f1a-afc8-dbc0b32804dd n6->n3 used n7 app:records/365 n6->n7 used n9 app:records/366 n6->n9 used n11 app:records/363 n6->n11 used n12 app:records/364 n6->n12 used n13 app:creditreports/93 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-03-13T17:54:30.574000+00:00 prov:endTime 2025-03-13T17:54:46.528000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n22 app:providers/15 n7->n22 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 "17.67" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.58" %% xsd:float pl:created_at 2025-03-13T17:54:46.527254 ann7->n7 n8 app:models/creditcard_assessment n9->n22 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "17.67" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Sep-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-13T17:54:46.527810 ann8->n9 n10 app:recommendations/93 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom b9 n10->b9 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-03-13T17:54:46.528735 pl:reason cs:low_credit_score ann9->n10 n11->n22 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "17.67" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-13T17:54:46.525914 ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "17.67" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "1.68" %% xsd:float pl:created_at 2025-03-13T17:54:46.526657 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:dc0a7cc9-23ab-41da-b8e9-96ff587c64eb n13->n17 wasGeneratedBy b14 n13->b14 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 60 pl:created_at 2025-03-13T17:54:46.519155 ann12->n13 ann13 prov:label Lesley Foster prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/63/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 332 George brooks, Smithshire, WS8N 9HQ cs:attr_applicant_name Lesley Foster cs:attr_dob "1967-12-09" %% xsd:date cs:attr_prev_address 03 Wright fords, Careyview, HS0H 9PY ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann16 prov:startTime 2025-03-13T17:54:46.519000+00:00 prov:endTime 2025-03-13T17:54:46.519000+00:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/361 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 332 George brooks, Smithshire, WS8N 9HQ cs:attr_from_date "2024-08-15" %% xsd:date pl:created_at 2025-02-16T00:00:00 ann18->n19 n20 app:providers/12 ann19 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/362 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 332 George brooks, Smithshire, WS8N 9HQ cs:attr_first_confirmed "2025-03-05" %% xsd:date cs:attr_last_confirmed "2024-07-14" %% xsd:date cs:attr_prev_address 03 Wright fords, Careyview, HS0H 9PY pl:created_at 2025-03-13T17:54:46.524478 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n11 b6->n9 b7->n7 b8->n12 b9->n13 b10->n5 b10->n8 plan b11->n10 b12->n3 b13->n16 b14->n15 b15->n11 b16->n19 b17->n9 b18->n12 b19->n7 b20->n21