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/1041, uuid:c7f02c61-27cf-49c8-bba1-76a0af8401d5, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:c7f02c61-27cf-49c8-bba1-76a0af8401d5, 2025-03-24T03:30:13.630000+00:00, 2026-06-09T12:59:33.959000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1041, app:applications/65, -, -, -)
  wasAssociatedWith(uuid:c7f02c61-27cf-49c8-bba1-76a0af8401d5, app:the_bank, -)
  wasAttributedTo(app:decisions/1041, app:the_bank)
  used(uuid:c7f02c61-27cf-49c8-bba1-76a0af8401d5, app:applications/65, -)
  entity(app:decisions/1041, [pl:created_at="2026-06-09T12:59:33.959086" %% 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'])
  entity(app:applications/65)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1041, uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, -)
  activity(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, 2025-03-24T03:30:13.630000+00:00, 2026-06-09T12:59:33.959000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:be0aa80d-913e-4536-afee-a7c24c52ff46)
  wasDerivedFrom(app:recommendations/1041, app:records/2405, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1460, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/557, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3099, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1646, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/540, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3470, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3449, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1368, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1371, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3477, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/397, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3471, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/400, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3098, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3452, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3475, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3453, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1229, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1311, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3097, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1370, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3451, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1226, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/399, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1645, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3454, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/559, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3450, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3468, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1466, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3448, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3456, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3478, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/398, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3485, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3105, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3487, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1647, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3486, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1367, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3469, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:creditreports/1041, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1227, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/538, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3457, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/539, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1369, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1228, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/2406, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/3476, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/541, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1312, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1309, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1310, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/2407, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/558, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:applications/65, -, -, -)
  wasDerivedFrom(app:recommendations/1041, app:records/1465, -, -, -)
  wasAssociatedWith(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:machines/one, app:models/creditcard_assessment)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/2407, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3469, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3451, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3099, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/399, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1229, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3471, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1645, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:applications/65, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3105, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3452, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3476, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/539, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:creditreports/1041, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1646, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/540, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1370, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1228, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1309, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/538, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1227, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3468, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3449, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1226, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3477, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1647, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3485, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1367, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3450, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3457, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3097, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1310, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1465, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1312, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/2405, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3453, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/557, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3448, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/398, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/558, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/397, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3478, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1368, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3098, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1311, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/559, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3486, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3487, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3456, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1466, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1369, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3470, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3454, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/541, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1371, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/400, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/2406, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/3475, -)
  used(uuid:be0aa80d-913e-4536-afee-a7c24c52ff46, app:records/1460, -)
  wasAttributedTo(app:recommendations/1041, app:machines/one)
  entity(app:records/3486)
  entity(app:records/3485)
  entity(app:records/3487)
  entity(app:records/1460)
  entity(app:records/1227)
  entity(app:records/3449)
  entity(app:records/1228)
  entity(app:records/538)
  entity(app:records/1229)
  entity(app:records/539)
  entity(app:records/1465)
  entity(app:records/1466)
  entity(app:records/3448)
  entity(app:records/1226)
  entity(app:records/1309)
  entity(app:records/3453)
  entity(app:records/3452)
  entity(app:records/3454)
  entity(app:records/1310)
  entity(app:records/3097)
  entity(app:records/3098)
  entity(app:records/3451)
  entity(app:applications/65)
  entity(app:records/3450)
  entity(app:records/3099)
  entity(app:records/2405)
  entity(app:recommendations/1041, [pl:created_at="2026-06-09T12:59:33.959086" %% 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/2406)
  entity(app:records/2407)
  entity(app:records/3457)
  entity(app:records/1311)
  entity(app:records/3456)
  entity(app:records/1312)
  entity(app:records/400)
  entity(app:records/1645)
  entity(app:records/1646)
  entity(app:records/1647)
  entity(app:records/3468)
  entity(app:records/558)
  entity(app:records/3105)
  entity(app:records/1367)
  entity(app:records/559)
  entity(app:records/1368)
  entity(app:records/1369)
  entity(app:records/557)
  entity(app:records/3469)
  entity(app:creditreports/1041)
  entity(app:records/398)
  entity(app:models/creditcard_assessment)
  entity(app:records/399)
  entity(app:records/397)
  entity(app:records/3475)
  entity(app:records/3477)
  entity(app:records/3476)
  entity(app:records/3471)
  entity(app:records/1370)
  entity(app:records/3470)
  entity(app:records/1371)
  entity(app:records/3478)
  entity(app:records/541)
  entity(app:records/540)
  wasDerivedFrom(app:decisions/1041, app:recommendations/1041, -, -, -)
  entity(app:decisions/1041)
  entity(app:recommendations/1041)
  agent(app:applicants/65, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Kayleigh Robinson"])
  wasAttributedTo(app:applications/65, app:applicants/65)
  entity(app:applications/65, [cs:attr_annual_income=104000, pl:created_at="2025-03-24T03:30:13.630186" %% xsd:dateTime, cs:attr_prev_address="24 Jones rapid, O'Neillstad, L80 0GT", cs:attr_address="Flat 91g, Fleming shore, South Rita, CA4 3NU", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1982-01-29" %% xsd:date, cs:attr_emp_title="Air cabin crew", cs:attr_home_ownership=3, cs:attr_phone_number="+443069990490", cs:attr_email_address="vincent95@example.org", cs:attr_applicant_name="Kayleigh Robinson", cs:attr_emp_length=24])
  wasDerivedFrom(app:applications/65/id, app:applications/65, -, -, -)
  entity(app:applications/65/id, [cs:attr_prev_address="24 Jones rapid, O'Neillstad, L80 0GT", cs:attr_address="Flat 91g, Fleming shore, South Rita, CA4 3NU", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1982-01-29" %% xsd:date, cs:attr_applicant_name="Kayleigh Robinson"])
  entity(app:applications/65)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1041, uuid:3bb70325-de2b-4bee-a03e-6b6928803fc1, -)
  activity(uuid:3bb70325-de2b-4bee-a03e-6b6928803fc1, 2026-06-09T12:59:33.950000+01:00, 2026-06-09T12:59:33.950000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1041, app:applications/65/id, -, -, -)
  wasAssociatedWith(uuid:3bb70325-de2b-4bee-a03e-6b6928803fc1, app:providers/1, -)
  wasAttributedTo(app:creditreports/1041, app:providers/1)
  used(uuid:3bb70325-de2b-4bee-a03e-6b6928803fc1, app:applications/65/id, -)
  entity(app:creditreports/1041, [pl:created_at="2026-06-09T12:59:33.950903" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=692])
  entity(app:applications/65/id)
  wasDerivedFrom(app:creditreports/1041, app:records/395, -, -, -)
  wasDerivedFrom(app:creditreports/1041, app:records/3486, -, -, -)
  wasDerivedFrom(app:creditreports/1041, app:records/396, -, -, -)
  wasDerivedFrom(app:creditreports/1041, app:records/3487, -, -, -)
  wasDerivedFrom(app:creditreports/1041, app:records/3485, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/395, app:providers/2)
  entity(app:records/395, [pl:created_at="2025-03-17T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 91g, Fleming shore, South Rita, CA4 3NU", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-05-10" %% xsd:date])
  agent(app:providers/6, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Three"])
  wasAttributedTo(app:records/396, app:providers/6)
  entity(app:records/396, [pl:created_at="2025-03-24T16:32:32.706852" %% xsd:dateTime, cs:attr_prev_address="24 Jones rapid, O'Neillstad, L80 0GT", cs:attr_first_confirmed="2025-03-09" %% xsd:date, cs:attr_address="Flat 91g, Fleming shore, South Rita, CA4 3NU", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2024-09-22" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3485, app:providers/14)
  entity(app:records/3485, [pl:created_at="2026-06-09T12:59:33.956509" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Apr-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="189.7" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3486, app:providers/14)
  entity(app:records/3486, [pl:created_at="2026-06-09T12:59:33.957489" %% xsd:dateTime, cs:attr_payment_amount="11.17" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="189.7" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3487, app:providers/14)
  entity(app:records/3487, [pl:created_at="2026-06-09T12:59:33.958107" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Aug-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="189.7" %% xsd:float])
endDocument