Provenance for Decision #986

Decided on: May 24, 2026, 7:06 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:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d n3 app:applications/433 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2026-05-24T18:48:13.878000+01:00 prov:endTime 2026-05-24T19:06:37.135000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/433 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 5, Alexandra fords, Lisahaven, ME28 3BR cs:attr_annual_income 66000 cs:attr_applicant_name Leanne Baker cs:attr_dob "1989-07-11" %% xsd:date cs:attr_email_address samclarke@example.com cs:attr_emp_length 9 cs:attr_emp_title Television/film/video producer cs:attr_home_ownership 3 cs:attr_phone_number 028 9018 0580 cs:attr_prev_address Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB pl:created_at 2026-05-24T18:48:13.878014 ann3->n3 n4 app:decisions/986 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 2026-05-24T19:06:37.135897 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:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb n6->n3 used n9 app:records/3328 n6->n9 used n10 app:records/3325 n6->n10 used n11 app:creditreports/986 n6->n11 used n12 app:records/3326 n6->n12 used n13 app:records/3327 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2026-05-24T18:48:13.878000+01:00 prov:endTime 2026-05-24T19:06:37.135000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/986 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2026-05-24T19:06:37.135897 pl:reason cs:low_credit_score ann7->n8 n22 app:providers/14 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 "523.91" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Mar-2026 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-24T19:06:37.134964 ann8->n9 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "523.91" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-24T19:06:37.133013 ann9->n10 n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:de0b2925-0cbc-4051-9b06-55cebaceab97 n11->n17 wasGeneratedBy b13 n11->b13 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom b18 n11->b18 wasDerivedFrom b19 n11->b19 wasDerivedFrom b20 n11->b20 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 150 pl:created_at 2026-05-24T19:06:37.126172 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 "523.91" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-24T19:06:37.133801 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "523.91" %% xsd:float cs:attr_credit_limit "2100.0" %% xsd:float cs:attr_month Nov-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2026-05-24T19:06:37.134396 ann12->n13 ann13 prov:label Leanne Baker prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/433/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 5, Alexandra fords, Lisahaven, ME28 3BR cs:attr_applicant_name Leanne Baker cs:attr_dob "1989-07-11" %% xsd:date cs:attr_prev_address Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB 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 2026-05-24T19:06:37.126000+01:00 prov:endTime 2026-05-24T19:06:37.126000+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/3323 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 5, Alexandra fords, Lisahaven, ME28 3BR cs:attr_from_date "2024-05-05" %% xsd:date pl:created_at 2026-05-14T00:00:00 ann18->n19 n20 app:providers/10 ann19 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/3324 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 5, Alexandra fords, Lisahaven, ME28 3BR cs:attr_first_confirmed "2026-05-10" %% xsd:date cs:attr_last_confirmed "2025-12-17" %% xsd:date cs:attr_prev_address Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB pl:created_at 2026-05-24T19:06:37.131529 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n3 b5->n11 b6->n13 b7->n9 b8->n10 b9->n12 b10->n5 b10->n7 plan b11->n8 b12->n3 b13->n15 b14->n16 b15->n12 b16->n21 b17->n9 b18->n19 b19->n13 b20->n10