Provenance for Decision #950

Decided on: May 7, 2026, 9:45 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:a2612362-de22-463d-b08d-7a7d3003a1e3 n3 app:applications/418 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-05-07T21:39:59.307000+01:00 prov:endTime 2026-05-07T21:45:07.848000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/418 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 69 Barker cliffs, Shannonton, LL3H 6AA cs:attr_annual_income 118000 cs:attr_applicant_name Dean Duffy-Martin cs:attr_dob "1959-05-04" %% xsd:date cs:attr_email_address cturner@example.org cs:attr_emp_length 22 cs:attr_emp_title Careers adviser cs:attr_home_ownership 3 cs:attr_phone_number +44(0)808 157 0598 cs:attr_prev_address 2 Antony flat, Khanton, ST48 3WJ pl:created_at 2026-05-07T21:39:59.307095 ann3->n3 n4 app:decisions/950 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 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 2026-05-07T21:45:07.848372 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:21f54983-cd07-4505-b679-90e912f52956 n6->n3 used n8 app:records/3207 n6->n8 used n9 app:creditreports/950 n6->n9 used n11 app:records/3204 n6->n11 used n12 app:records/3205 n6->n12 used n13 app:records/3206 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-05-07T21:39:59.307000+01:00 prov:endTime 2026-05-07T21:45:07.848000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n22 app:providers/15 n8->n22 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1645.61" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-07T21:45:07.847133 ann7->n8 n16 app:providers/1 n9->n16 wasAttributedTo n17 uuid:6407d65a-d58d-4380-a8ba-0b3ba1f19010 n9->n17 wasGeneratedBy b13 n9->b13 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom b19 n9->b19 wasDerivedFrom b20 n9->b20 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 572 pl:created_at 2026-05-07T21:45:07.837137 ann8->n9 n10 app:recommendations/950 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 2026-05-07T21:45:07.848372 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 "1645.61" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-07T21:45:07.844644 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 "1645.61" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Dec-2025 cs:attr_payment_amount "147.07" %% xsd:float pl:created_at 2026-05-07T21:45:07.845564 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1645.61" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jan-2026 cs:attr_payment_amount "77.03" %% xsd:float pl:created_at 2026-05-07T21:45:07.846360 ann12->n13 ann13 prov:label Dean Duffy-Martin prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/418/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 69 Barker cliffs, Shannonton, LL3H 6AA cs:attr_applicant_name Dean Duffy-Martin cs:attr_dob "1959-05-04" %% xsd:date cs:attr_prev_address 2 Antony flat, Khanton, ST48 3WJ ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2026-05-07T21:45:07.837000+01:00 prov:endTime 2026-05-07T21:45:07.837000+01:00 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/3202 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 69 Barker cliffs, Shannonton, LL3H 6AA cs:attr_from_date "2025-05-15" %% xsd:date pl:created_at 2026-04-17T00:00:00 ann18->n19 n20 app:providers/3 ann19 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/3203 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 69 Barker cliffs, Shannonton, LL3H 6AA cs:attr_first_confirmed "2026-04-20" %% xsd:date cs:attr_last_confirmed "2026-01-18" %% xsd:date cs:attr_prev_address 2 Antony flat, Khanton, ST48 3WJ pl:created_at 2026-05-07T21:45:07.842811 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n13 b6->n3 b7->n12 b8->n11 b9->n8 b10->n5 b10->n7 plan b11->n10 b12->n3 b13->n15 b14->n16 b15->n13 b16->n8 b17->n11 b18->n12 b19->n21 b20->n19