document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix uuid <urn:uuid:>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  wasGeneratedBy(app:decisions/1007, uuid:0e275844-601b-44ba-a974-83ffa9540b51, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:0e275844-601b-44ba-a974-83ffa9540b51, 2026-05-29T06:36:21.552000+01:00, 2026-05-31T18:58:01.561000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1007, app:applications/435, -, -, -)
  wasAssociatedWith(uuid:0e275844-601b-44ba-a974-83ffa9540b51, app:the_bank, -)
  used(uuid:0e275844-601b-44ba-a974-83ffa9540b51, app:applications/435, -)
  wasAttributedTo(app:decisions/1007, app:the_bank)
  entity(app:applications/435)
  entity(app:decisions/1007, [pl:created_at="2026-05-31T18:58:01.561727" %% xsd:dateTime, cs:result='cs:rejected', prov:type='pl:RejectionDecision', prov:type='pl:Decision', prov:type='pl:AutomatedDecision', prov:type='cs:CreditDecision', pl:reason='cs:low_credit_score'])
  wasGeneratedBy(app:recommendations/1007, uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:67cd59a9-f93e-4070-bec4-64640ee2c496)
  activity(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, 2026-05-29T06:36:21.552000+01:00, 2026-05-31T18:58:01.561000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1007, app:records/3390, -, -, -)
  wasDerivedFrom(app:recommendations/1007, app:records/3389, -, -, -)
  wasDerivedFrom(app:recommendations/1007, app:applications/435, -, -, -)
  wasDerivedFrom(app:recommendations/1007, app:creditreports/1007, -, -, -)
  wasDerivedFrom(app:recommendations/1007, app:records/3388, -, -, -)
  wasAssociatedWith(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/1007, app:machines/one)
  used(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, app:records/3390, -)
  used(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, app:applications/435, -)
  used(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, app:records/3388, -)
  used(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, app:records/3389, -)
  used(uuid:67cd59a9-f93e-4070-bec4-64640ee2c496, app:creditreports/1007, -)
  entity(app:records/3388)
  entity(app:applications/435)
  entity(app:models/creditcard_assessment)
  entity(app:records/3389)
  entity(app:creditreports/1007)
  entity(app:recommendations/1007, [pl:created_at="2026-05-31T18:58:01.561727" %% xsd:dateTime, prov:type='pl:AutomatedRecommendation', prov:type='cs:AutomatedRecommendation', cs:credit_score_threshold=739, pl:reason='cs:low_credit_score', cs:recommendation='cs:rejected'])
  entity(app:records/3390)
  wasDerivedFrom(app:decisions/1007, app:recommendations/1007, -, -, -)
  entity(app:recommendations/1007)
  entity(app:decisions/1007)
  agent(app:applicants/435, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Louise Roberts"])
  wasAttributedTo(app:applications/435, app:applicants/435)
  entity(app:applications/435, [cs:attr_annual_income=99000, pl:created_at="2026-05-29T06:36:21.552402" %% xsd:dateTime, cs:attr_prev_address="8 Taylor shores, Simonmouth, E88 3LX", cs:attr_address="621 Karl centers, West Albertburgh, KY25 4XQ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1992-09-29" %% xsd:date, cs:attr_emp_title="Trading standards officer", cs:attr_home_ownership=1, cs:attr_phone_number="01614960423", cs:attr_email_address="frederick16@example.org", cs:attr_applicant_name="Louise Roberts", cs:attr_emp_length=7])
  wasDerivedFrom(app:applications/435/id, app:applications/435, -, -, -)
  entity(app:applications/435)
  entity(app:applications/435/id, [cs:attr_prev_address="8 Taylor shores, Simonmouth, E88 3LX", cs:attr_address="621 Karl centers, West Albertburgh, KY25 4XQ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1992-09-29" %% xsd:date, cs:attr_applicant_name="Louise Roberts"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1007, uuid:14471b18-7650-4caf-81e5-7371c5ff774d, -)
  activity(uuid:14471b18-7650-4caf-81e5-7371c5ff774d, 2026-05-31T18:58:01.552000+01:00, 2026-05-31T18:58:01.552000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:14471b18-7650-4caf-81e5-7371c5ff774d, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1007, app:applications/435/id, -, -, -)
  wasAttributedTo(app:creditreports/1007, app:providers/1)
  used(uuid:14471b18-7650-4caf-81e5-7371c5ff774d, app:applications/435/id, -)
  entity(app:applications/435/id)
  entity(app:creditreports/1007, [pl:created_at="2026-05-31T18:58:01.552583" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=474])
  wasDerivedFrom(app:creditreports/1007, app:records/3390, -, -, -)
  wasDerivedFrom(app:creditreports/1007, app:records/3387, -, -, -)
  wasDerivedFrom(app:creditreports/1007, app:records/3388, -, -, -)
  wasDerivedFrom(app:creditreports/1007, app:records/3386, -, -, -)
  wasDerivedFrom(app:creditreports/1007, app:records/3389, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3386, app:providers/2)
  entity(app:records/3386, [pl:created_at="2026-05-24T00:00:00" %% xsd:dateTime, cs:attr_address="621 Karl centers, West Albertburgh, KY25 4XQ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-09-18" %% xsd:date])
  agent(app:providers/5, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Vodafone"])
  wasAttributedTo(app:records/3387, app:providers/5)
  entity(app:records/3387, [pl:created_at="2026-05-31T18:58:01.557909" %% xsd:dateTime, cs:attr_prev_address="8 Taylor shores, Simonmouth, E88 3LX", cs:attr_first_confirmed="2026-05-09" %% xsd:date, cs:attr_address="621 Karl centers, West Albertburgh, KY25 4XQ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-01-31" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3388, app:providers/14)
  entity(app:records/3388, [pl:created_at="2026-05-31T18:58:01.559410" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jan-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="452.83" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3389, app:providers/14)
  entity(app:records/3389, [pl:created_at="2026-05-31T18:58:01.560196" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="452.83" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3390, app:providers/14)
  entity(app:records/3390, [pl:created_at="2026-05-31T18:58:01.560808" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="452.83" %% xsd:float])
endDocument