Provenance for Decision #938

Decided on: May 3, 2026, 1:18 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:20b328b6-68d1-42ec-b843-a8d71891dbb3 n3 app:applications/246 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-13T07:39:09.822000+01:00 prov:endTime 2026-05-03T13:18:38.661000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n24 app:applicants/246 n3->n24 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 3, Kim greens, West Jay, L35 2XP cs:attr_annual_income 10000 cs:attr_applicant_name Barbara Griffiths cs:attr_dob "1983-04-27" %% xsd:date cs:attr_email_address joyce89@example.net cs:attr_emp_length 0 cs:attr_emp_title Advertising copywriter cs:attr_home_ownership 3 cs:attr_phone_number +44(0)909 879 0791 cs:attr_prev_address Flat 90, Thomson islands, Wendyland, E1H 8DL pl:created_at 2025-10-13T07:39:09.822260 ann3->n3 n4 app:decisions/938 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b21 n4->b21 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 2026-05-03T13:18:38.661094 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:9b0c8a43-0765-4fc0-969a-525affdd0f2c n6->n3 used n7 app:records/3167 n6->n7 used n8 app:records/3168 n6->n8 used n9 app:records/3169 n6->n9 used n10 app:creditreports/938 n6->n10 used n11 app:records/2084 n6->n11 used n12 app:records/2085 n6->n12 used n13 app:records/2086 n6->n13 used n14 app:records/1700 n6->n14 used n15 app:records/1934 n6->n15 used n16 app:records/1697 n6->n16 used n18 app:records/1698 n6->n18 used n19 app:records/1699 n6->n19 used n21 app:records/1935 n6->n21 used n22 app:records/1936 n6->n22 used n23 app:records/2083 n6->n23 used b20 n6->b20 wasAssociatedWith ann6 prov:startTime 2025-10-13T07:39:09.822000+01:00 prov:endTime 2026-05-03T13:18:38.661000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n32 app:providers/14 n7->n32 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 "1243.78" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "113.01" %% xsd:float pl:created_at 2026-05-03T13:18:38.658629 ann7->n7 n8->n32 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 "1243.78" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Feb-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-03T13:18:38.659541 ann8->n8 n9->n32 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 "1243.78" %% xsd:float cs:attr_credit_limit "1300.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "2.7" %% xsd:float pl:created_at 2026-05-03T13:18:38.660169 ann9->n9 n26 app:providers/1 n10->n26 wasAttributedTo n27 uuid:5f371188-183c-4947-848d-95688a0cf1b9 n10->n27 wasGeneratedBy b24 n10->b24 wasDerivedFrom b25 n10->b25 wasDerivedFrom b26 n10->b26 wasDerivedFrom b27 n10->b27 wasDerivedFrom b28 n10->b28 wasDerivedFrom b29 n10->b29 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 129 pl:created_at 2026-05-03T13:18:38.653812 ann10->n10 n17 app:recommendations/938 n17->n5 wasAttributedTo n17->n6 wasGeneratedBy b4 n17->b4 wasDerivedFrom b5 n17->b5 wasDerivedFrom b6 n17->b6 wasDerivedFrom b7 n17->b7 wasDerivedFrom b8 n17->b8 wasDerivedFrom b9 n17->b9 wasDerivedFrom b10 n17->b10 wasDerivedFrom b11 n17->b11 wasDerivedFrom b12 n17->b12 wasDerivedFrom b13 n17->b13 wasDerivedFrom b14 n17->b14 wasDerivedFrom b15 n17->b15 wasDerivedFrom b16 n17->b16 wasDerivedFrom b17 n17->b17 wasDerivedFrom b18 n17->b18 wasDerivedFrom b19 n17->b19 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-05-03T13:18:38.661094 pl:reason cs:low_credit_score ann11->n17 n20 app:models/creditcard_assessment ann12 prov:label Barbara Griffiths prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n24 n25 app:applications/246/id b22 n25->b22 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 3, Kim greens, West Jay, L35 2XP cs:attr_applicant_name Barbara Griffiths cs:attr_dob "1983-04-27" %% xsd:date cs:attr_prev_address Flat 90, Thomson islands, Wendyland, E1H 8DL ann13->n25 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n26 n27->n25 used b23 n27->b23 wasAssociatedWith ann15 prov:startTime 2026-05-03T13:18:38.653000+01:00 prov:endTime 2026-05-03T13:18:38.653000+01:00 prov:type cs:SearchingCreditHistory ann15->n27 n28 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n28 n29 app:records/1695 n29->n28 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 3, Kim greens, West Jay, L35 2XP cs:attr_from_date "2024-02-26" %% xsd:date pl:created_at 2025-10-02T00:00:00 ann17->n29 n30 app:providers/7 ann18 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n30 n31 app:records/1696 n31->n30 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 3, Kim greens, West Jay, L35 2XP cs:attr_first_confirmed "2025-09-26" %% xsd:date cs:attr_last_confirmed "2025-04-08" %% xsd:date cs:attr_prev_address Flat 90, Thomson islands, Wendyland, E1H 8DL pl:created_at 2025-10-13T15:06:54.570792 ann19->n31 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n32 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n16 b5->n12 b6->n11 b7->n7 b8->n8 b9->n9 b10->n3 b11->n22 b12->n21 b13->n19 b14->n23 b15->n10 b16->n15 b17->n14 b18->n18 b19->n13 b20->n5 b20->n20 plan b21->n17 b22->n3 b23->n26 b24->n25 b25->n7 b26->n8 b27->n29 b28->n9 b29->n31