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/1072, uuid:a9900fc0-7328-483f-a324-0cb0495082a4, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:a9900fc0-7328-483f-a324-0cb0495082a4, 2026-05-31T19:43:56.655000+01:00, 2026-06-17T09:43:12.300000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:a9900fc0-7328-483f-a324-0cb0495082a4, app:the_bank, -)
  wasDerivedFrom(app:decisions/1072, app:applications/439, -, -, -)
  used(uuid:a9900fc0-7328-483f-a324-0cb0495082a4, app:applications/439, -)
  wasAttributedTo(app:decisions/1072, app:the_bank)
  entity(app:decisions/1072, [pl:created_at="2026-06-17T09:43:12.300298" %% 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/439)
  wasGeneratedBy(app:recommendations/1072, uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, 2026-05-31T19:43:56.655000+01:00, 2026-06-17T09:43:12.300000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:177b33e4-ed6a-4d07-99c7-4463631d412e)
  wasDerivedFrom(app:recommendations/1072, app:applications/439, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:records/3404, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:creditreports/1072, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:records/3514, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:records/3584, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:records/3515, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:records/3405, -, -, -)
  wasDerivedFrom(app:recommendations/1072, app:records/3516, -, -, -)
  wasAssociatedWith(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:machines/one, app:models/creditcard_assessment)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:records/3516, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:records/3514, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:applications/439, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:records/3515, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:records/3404, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:creditreports/1072, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:records/3405, -)
  used(uuid:177b33e4-ed6a-4d07-99c7-4463631d412e, app:records/3584, -)
  wasAttributedTo(app:recommendations/1072, app:machines/one)
  entity(app:records/3584)
  entity(app:creditreports/1072)
  entity(app:models/creditcard_assessment)
  entity(app:applications/439)
  entity(app:records/3516)
  entity(app:records/3515)
  entity(app:records/3405)
  entity(app:recommendations/1072, [pl:created_at="2026-06-17T09:43:12.300298" %% 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/3514)
  entity(app:records/3404)
  wasDerivedFrom(app:decisions/1072, app:recommendations/1072, -, -, -)
  entity(app:decisions/1072)
  entity(app:recommendations/1072)
  agent(app:applicants/439, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Tracey Mason"])
  wasAttributedTo(app:applications/439, app:applicants/439)
  entity(app:applications/439, [cs:attr_annual_income=24000, pl:created_at="2026-05-31T19:43:56.655016" %% xsd:dateTime, cs:attr_prev_address="110 Maureen land, Waltersshire, S5K 2HJ", cs:attr_address="Flat 59, Cheryl mews, Brownfort, WV42 9PB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1970-05-26" %% xsd:date, cs:attr_emp_title="Economist", cs:attr_home_ownership=3, cs:attr_phone_number="(0121) 4960883", cs:attr_email_address="ecooper@example.net", cs:attr_applicant_name="Tracey Mason", cs:attr_emp_length=22])
  wasDerivedFrom(app:applications/439/id, app:applications/439, -, -, -)
  entity(app:applications/439)
  entity(app:applications/439/id, [cs:attr_prev_address="110 Maureen land, Waltersshire, S5K 2HJ", cs:attr_address="Flat 59, Cheryl mews, Brownfort, WV42 9PB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1970-05-26" %% xsd:date, cs:attr_applicant_name="Tracey Mason"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1072, uuid:904deb14-cb60-4725-9495-7f09c03bff0b, -)
  activity(uuid:904deb14-cb60-4725-9495-7f09c03bff0b, 2026-06-17T09:43:12.293000+01:00, 2026-06-17T09:43:12.293000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1072, app:applications/439/id, -, -, -)
  wasAssociatedWith(uuid:904deb14-cb60-4725-9495-7f09c03bff0b, app:providers/1, -)
  used(uuid:904deb14-cb60-4725-9495-7f09c03bff0b, app:applications/439/id, -)
  wasAttributedTo(app:creditreports/1072, app:providers/1)
  entity(app:creditreports/1072, [pl:created_at="2026-06-17T09:43:12.293283" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=351])
  entity(app:applications/439/id)
  wasDerivedFrom(app:creditreports/1072, app:records/3403, -, -, -)
  wasDerivedFrom(app:creditreports/1072, app:records/3584, -, -, -)
  wasDerivedFrom(app:creditreports/1072, app:records/3402, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3402, app:providers/2)
  entity(app:records/3402, [pl:created_at="2026-05-03T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 59, Cheryl mews, Brownfort, WV42 9PB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-01-11" %% xsd:date])
  agent(app:providers/6, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Three"])
  wasAttributedTo(app:records/3403, app:providers/6)
  entity(app:records/3403, [pl:created_at="2026-05-31T20:50:40.453259" %% xsd:dateTime, cs:attr_prev_address="110 Maureen land, Waltersshire, S5K 2HJ", cs:attr_first_confirmed="2026-05-01" %% xsd:date, cs:attr_address="Flat 59, Cheryl mews, Brownfort, WV42 9PB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-08-09" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3584, app:providers/14)
  entity(app:records/3584, [pl:created_at="2026-06-17T09:43:12.298959" %% xsd:dateTime, cs:attr_payment_amount="0.61" %% xsd:float, cs:attr_month="Oct-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="128.23" %% xsd:float])
endDocument