Provenance for Decision #952

Decided on: May 10, 2026, 7:43 a.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:44f84f81-d3f9-414a-8b0a-0b91bf01895a n4 app:applications/420 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-05-08T20:29:25.013000+01:00 prov:endTime 2026-05-10T07:43:43.093000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/952 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 wasDerivedFrom ann3 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2026-05-10T07:43:43.093498 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/420 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 40, Newton branch, Fishermouth, E68 8SJ cs:attr_annual_income 109000 cs:attr_applicant_name Katy Brown cs:attr_dob "1995-09-06" %% xsd:date cs:attr_email_address lsummers@example.net cs:attr_emp_length 11 cs:attr_emp_title Psychologist, clinical cs:attr_home_ownership 3 cs:attr_phone_number (0115) 4960495 cs:attr_prev_address Studio 2, Griffiths mountain, South Marianhaven, N02 9BG pl:created_at 2026-05-08T20:29:25.013868 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe n6->n4 used n8 app:records/3213 n6->n8 used n10 app:creditreports/952 n6->n10 used n11 app:records/3214 n6->n11 used n12 app:records/3215 n6->n12 used n13 app:records/3216 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-05-08T20:29:25.013000+01:00 prov:endTime 2026-05-10T07:43:43.093000+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:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1153.07" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "55.62" %% xsd:float pl:created_at 2026-05-10T07:43:43.090594 ann7->n8 n9 app:recommendations/952 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom b9 n9->b9 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-05-10T07:43:43.093498 pl:reason cs:low_credit_score ann8->n9 n16 app:providers/1 n10->n16 wasAttributedTo n17 uuid:8576502e-2d38-41c5-afcb-e47d0fb76d91 n10->n17 wasGeneratedBy b13 n10->b13 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom b19 n10->b19 wasDerivedFrom b20 n10->b20 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 708 pl:created_at 2026-05-10T07:43:43.083809 ann9->n10 n11->n22 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1153.07" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "109.5" %% xsd:float pl:created_at 2026-05-10T07:43:43.091356 ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1153.07" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-10T07:43:43.091957 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 "1153.07" %% xsd:float cs:attr_credit_limit "1500.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "75.96" %% xsd:float pl:created_at 2026-05-10T07:43:43.092554 ann12->n13 ann13 prov:label Katy Brown prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/420/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 40, Newton branch, Fishermouth, E68 8SJ cs:attr_applicant_name Katy Brown cs:attr_dob "1995-09-06" %% xsd:date cs:attr_prev_address Studio 2, Griffiths mountain, South Marianhaven, N02 9BG 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 2026-05-10T07:43:43.083000+01:00 prov:endTime 2026-05-10T07:43:43.083000+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/3211 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 40, Newton branch, Fishermouth, E68 8SJ cs:attr_from_date "2023-12-27" %% xsd:date pl:created_at 2026-05-05T00:00:00 ann18->n19 n20 app:providers/8 ann19 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/3212 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 40, Newton branch, Fishermouth, E68 8SJ cs:attr_first_confirmed "2026-04-23" %% xsd:date cs:attr_last_confirmed "2026-03-10" %% xsd:date cs:attr_prev_address Studio 2, Griffiths mountain, South Marianhaven, N02 9BG pl:created_at 2026-05-10T07:43:43.089111 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n13 b5->n8 b6->n12 b7->n10 b8->n11 b9->n4 b10->n5 b10->n7 plan b11->n9 b12->n4 b13->n15 b14->n16 b15->n13 b16->n19 b17->n11 b18->n8 b19->n21 b20->n12