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/1085, uuid:9176a65f-ac33-4a2c-9d77-b4b9f864eb54, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:9176a65f-ac33-4a2c-9d77-b4b9f864eb54, 2026-06-15T06:32:01.232000+01:00, 2026-06-18T22:03:43.229000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1085, app:applications/447, -, -, -)
  wasAssociatedWith(uuid:9176a65f-ac33-4a2c-9d77-b4b9f864eb54, app:the_bank, -)
  wasAttributedTo(app:decisions/1085, app:the_bank)
  used(uuid:9176a65f-ac33-4a2c-9d77-b4b9f864eb54, app:applications/447, -)
  entity(app:decisions/1085, [pl:created_at="2026-06-18T22:03:43.229778" %% 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/447)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1085, uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf)
  activity(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, 2026-06-15T06:32:01.232000+01:00, 2026-06-18T22:03:43.229000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1085, app:records/3615, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3575, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3607, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3576, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3579, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3582, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3616, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3578, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3610, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3595, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3619, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3609, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3608, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3573, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3611, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3577, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3574, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3581, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3594, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3605, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:creditreports/1085, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3606, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3618, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3583, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3580, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:applications/447, -, -, -)
  wasDerivedFrom(app:recommendations/1085, app:records/3596, -, -, -)
  wasAssociatedWith(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:machines/one, app:models/creditcard_assessment)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3607, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3608, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3595, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3611, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3596, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3583, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3579, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3619, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3610, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3615, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3606, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3605, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3575, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3616, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:applications/447, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3580, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3573, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3578, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3609, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3574, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3618, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3576, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:creditreports/1085, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3582, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3581, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3594, -)
  used(uuid:cf1edb66-8247-4547-bcc5-b7c2a47b3dbf, app:records/3577, -)
  wasAttributedTo(app:recommendations/1085, app:machines/one)
  entity(app:records/3581)
  entity(app:records/3580)
  entity(app:records/3583)
  entity(app:records/3582)
  entity(app:records/3606)
  entity(app:records/3605)
  entity(app:creditreports/1085)
  entity(app:models/creditcard_assessment)
  entity(app:records/3608)
  entity(app:records/3607)
  entity(app:records/3609)
  entity(app:records/3574)
  entity(app:records/3596)
  entity(app:records/3573)
  entity(app:records/3595)
  entity(app:records/3576)
  entity(app:records/3575)
  entity(app:records/3594)
  entity(app:records/3615)
  entity(app:recommendations/1085, [pl:created_at="2026-06-18T22:03:43.229778" %% 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/3616)
  entity(app:records/3611)
  entity(app:records/3578)
  entity(app:records/3577)
  entity(app:records/3610)
  entity(app:records/3579)
  entity(app:records/3619)
  entity(app:applications/447)
  entity(app:records/3618)
  wasDerivedFrom(app:decisions/1085, app:recommendations/1085, -, -, -)
  entity(app:decisions/1085)
  entity(app:recommendations/1085)
  agent(app:applicants/447, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Jeffrey Williams"])
  wasAttributedTo(app:applications/447, app:applicants/447)
  entity(app:applications/447, [cs:attr_annual_income=115000, pl:created_at="2026-06-15T06:32:01.232813" %% xsd:dateTime, cs:attr_prev_address="304 Ben forges, Barberborough, L9S 5PZ", cs:attr_address="Studio 6, Susan pines, Wardmouth, UB2B 8SG", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1991-01-26" %% xsd:date, cs:attr_emp_title="Commercial horticulturist", cs:attr_home_ownership=4, cs:attr_phone_number="+441164960892", cs:attr_email_address="glenoconnor@example.com", cs:attr_applicant_name="Jeffrey Williams", cs:attr_emp_length=11])
  wasDerivedFrom(app:applications/447/id, app:applications/447, -, -, -)
  entity(app:applications/447/id, [cs:attr_prev_address="304 Ben forges, Barberborough, L9S 5PZ", cs:attr_address="Studio 6, Susan pines, Wardmouth, UB2B 8SG", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1991-01-26" %% xsd:date, cs:attr_applicant_name="Jeffrey Williams"])
  entity(app:applications/447)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1085, uuid:a22b7944-78ca-416b-b3bf-1c43d7d2efca, -)
  activity(uuid:a22b7944-78ca-416b-b3bf-1c43d7d2efca, 2026-06-18T22:03:43.222000+01:00, 2026-06-18T22:03:43.222000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:a22b7944-78ca-416b-b3bf-1c43d7d2efca, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1085, app:applications/447/id, -, -, -)
  used(uuid:a22b7944-78ca-416b-b3bf-1c43d7d2efca, app:applications/447/id, -)
  wasAttributedTo(app:creditreports/1085, app:providers/1)
  entity(app:creditreports/1085, [pl:created_at="2026-06-18T22:03:43.222362" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=87])
  entity(app:applications/447/id)
  wasDerivedFrom(app:creditreports/1085, app:records/3572, -, -, -)
  wasDerivedFrom(app:creditreports/1085, app:records/3618, -, -, -)
  wasDerivedFrom(app:creditreports/1085, app:records/3619, -, -, -)
  wasDerivedFrom(app:creditreports/1085, app:records/3571, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3571, app:providers/2)
  entity(app:records/3571, [pl:created_at="2026-06-08T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 6, Susan pines, Wardmouth, UB2B 8SG", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-09-21" %% xsd:date])
  agent(app:providers/9, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="GiffGaff"])
  wasAttributedTo(app:records/3572, app:providers/9)
  entity(app:records/3572, [pl:created_at="2026-06-16T11:06:47.697373" %% xsd:dateTime, cs:attr_prev_address="304 Ben forges, Barberborough, L9S 5PZ", cs:attr_first_confirmed="2026-06-10" %% xsd:date, cs:attr_address="Studio 6, Susan pines, Wardmouth, UB2B 8SG", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-02-17" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3618, app:providers/14)
  entity(app:records/3618, [pl:created_at="2026-06-18T22:03:43.227795" %% 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="2100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="474.01" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3619, app:providers/14)
  entity(app:records/3619, [pl:created_at="2026-06-18T22:03:43.228811" %% xsd:dateTime, cs:attr_payment_amount="33.99" %% xsd:float, cs:attr_month="Jun-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="474.01" %% xsd:float])
endDocument