Provenance for Decision #951

Decided on: May 9, 2026, 4:11 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:30da7f1a-3a48-42b1-86d9-d0504e8b1d21 n3 app:applications/419 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-05-08T19:08:05.917000+01:00 prov:endTime 2026-05-09T16:11:41.647000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n11 app:applicants/419 n3->n11 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 34 Carl light, Rachelville, N21 0TR cs:attr_annual_income 42000 cs:attr_applicant_name William Scott cs:attr_dob "1994-02-12" %% xsd:date cs:attr_email_address sullivankate@example.net cs:attr_emp_length 11 cs:attr_emp_title Brewing technologist cs:attr_home_ownership 2 cs:attr_phone_number +44(0)1214960609 cs:attr_prev_address 3 Jones bridge, Byrnemouth, B0 5EE pl:created_at 2026-05-08T19:08:05.917210 ann3->n3 n4 app:decisions/951 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 2026-05-09T16:11:41.647423 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:0c7afeef-3cf2-44d7-be24-720ed2c6320a n6->n3 used n7 app:records/3210 n6->n7 used n10 app:creditreports/951 n6->n10 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2026-05-08T19:08:05.917000+01:00 prov:endTime 2026-05-09T16:11:41.647000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n19 app:providers/14 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 "134.51" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month May-2026 cs:attr_payment_amount "3.56" %% xsd:float pl:created_at 2026-05-09T16:11:41.646418 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/951 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 2026-05-09T16:11:41.647423 pl:reason cs:low_credit_score ann8->n9 n13 app:providers/1 n10->n13 wasAttributedTo n14 uuid:a5cc60fc-f51f-4679-9a8c-162d763114c4 n10->n14 wasGeneratedBy b10 n10->b10 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 377 pl:created_at 2026-05-09T16:11:41.639930 ann9->n10 ann10 prov:label William Scott prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/419/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 34 Carl light, Rachelville, N21 0TR cs:attr_applicant_name William Scott cs:attr_dob "1994-02-12" %% xsd:date cs:attr_prev_address 3 Jones bridge, Byrnemouth, B0 5EE ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2026-05-09T16:11:41.639000+01:00 prov:endTime 2026-05-09T16:11:41.639000+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/3208 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 34 Carl light, Rachelville, N21 0TR cs:attr_from_date "2025-02-21" %% xsd:date pl:created_at 2026-04-15T00:00:00 ann15->n16 n17 app:providers/7 ann16 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/3209 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 34 Carl light, Rachelville, N21 0TR cs:attr_first_confirmed "2026-04-18" %% xsd:date cs:attr_last_confirmed "2025-08-13" %% xsd:date cs:attr_prev_address 3 Jones bridge, Byrnemouth, B0 5EE pl:created_at 2026-05-09T16:11:41.644921 ann17->n18 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n10 b6->n7 b7->n5 b7->n8 plan b8->n9 b9->n3 b10->n12 b11->n13 b12->n18 b13->n7 b14->n16