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/1249, uuid:6809253b-c57e-46d7-be93-d538efc2836c, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:6809253b-c57e-46d7-be93-d538efc2836c, 2025-10-15T20:32:47.725000+01:00, 2026-07-28T07:44:25.110000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1249, app:applications/249, -, -, -)
  wasAssociatedWith(uuid:6809253b-c57e-46d7-be93-d538efc2836c, app:the_bank, -)
  used(uuid:6809253b-c57e-46d7-be93-d538efc2836c, app:applications/249, -)
  wasAttributedTo(app:decisions/1249, app:the_bank)
  entity(app:applications/249)
  entity(app:decisions/1249, [pl:created_at="2026-07-28T07:44:25.110988" %% 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/1249, uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, 2025-10-15T20:32:47.725000+01:00, 2026-07-28T07:44:25.110000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:b8918402-e6b6-442c-ad13-01ae3a622c13)
  wasDerivedFrom(app:recommendations/1249, app:records/2192, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:creditreports/1249, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/4103, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2505, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2507, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/1732, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/1731, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2330, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2415, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2191, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/3236, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2504, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2506, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/3235, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:applications/249, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2329, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2416, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/2417, -, -, -)
  wasDerivedFrom(app:recommendations/1249, app:records/3234, -, -, -)
  wasAssociatedWith(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:machines/one, app:models/creditcard_assessment)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:applications/249, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/1732, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2192, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/1731, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:creditreports/1249, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/3235, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2416, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2191, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2417, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2506, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2330, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2329, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/4103, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2504, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2505, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2415, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/3234, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/3236, -)
  used(uuid:b8918402-e6b6-442c-ad13-01ae3a622c13, app:records/2507, -)
  wasAttributedTo(app:recommendations/1249, app:machines/one)
  entity(app:records/2330)
  entity(app:records/3234)
  entity(app:records/4103)
  entity(app:records/3235)
  entity(app:creditreports/1249)
  entity(app:records/2415)
  entity(app:records/2416)
  entity(app:records/2504)
  entity(app:records/2505)
  entity(app:records/2417)
  entity(app:records/2329)
  entity(app:records/2506)
  entity(app:records/3236)
  entity(app:records/1731)
  entity(app:records/1732)
  entity(app:models/creditcard_assessment)
  entity(app:records/2507)
  entity(app:applications/249)
  entity(app:recommendations/1249, [pl:created_at="2026-07-28T07:44:25.110988" %% 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/2191)
  entity(app:records/2192)
  wasDerivedFrom(app:decisions/1249, app:recommendations/1249, -, -, -)
  entity(app:recommendations/1249)
  entity(app:decisions/1249)
  agent(app:applicants/249, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Darren Gardner"])
  wasAttributedTo(app:applications/249, app:applicants/249)
  entity(app:applications/249, [cs:attr_annual_income=120000, pl:created_at="2025-10-15T20:32:47.725508" %% xsd:dateTime, cs:attr_prev_address="Studio 1, Eric lake, Hannahhaven, W4 0RU", cs:attr_address="Studio 95, Gerald curve, Walshton, S16 7PR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1977-10-21" %% xsd:date, cs:attr_emp_title="Media planner", cs:attr_home_ownership=3, cs:attr_phone_number="0131 496 0036", cs:attr_email_address="kate33@example.org", cs:attr_applicant_name="Darren Gardner", cs:attr_emp_length=29])
  wasDerivedFrom(app:applications/249/id, app:applications/249, -, -, -)
  entity(app:applications/249)
  entity(app:applications/249/id, [cs:attr_prev_address="Studio 1, Eric lake, Hannahhaven, W4 0RU", cs:attr_address="Studio 95, Gerald curve, Walshton, S16 7PR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1977-10-21" %% xsd:date, cs:attr_applicant_name="Darren Gardner"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1249, uuid:0e1884d1-2e44-4f28-8f29-f4981b117981, -)
  activity(uuid:0e1884d1-2e44-4f28-8f29-f4981b117981, 2026-07-28T07:44:25.104000+01:00, 2026-07-28T07:44:25.104000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:0e1884d1-2e44-4f28-8f29-f4981b117981, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1249, app:applications/249/id, -, -, -)
  wasAttributedTo(app:creditreports/1249, app:providers/1)
  used(uuid:0e1884d1-2e44-4f28-8f29-f4981b117981, app:applications/249/id, -)
  entity(app:creditreports/1249, [pl:created_at="2026-07-28T07:44:25.104805" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=310])
  entity(app:applications/249/id)
  wasDerivedFrom(app:creditreports/1249, app:records/1730, -, -, -)
  wasDerivedFrom(app:creditreports/1249, app:records/4103, -, -, -)
  wasDerivedFrom(app:creditreports/1249, app:records/1729, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/1729, app:providers/2)
  entity(app:records/1729, [pl:created_at="2025-09-23T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 95, Gerald curve, Walshton, S16 7PR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-07-15" %% xsd:date])
  agent(app:providers/4, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="O2"])
  wasAttributedTo(app:records/1730, app:providers/4)
  entity(app:records/1730, [pl:created_at="2025-10-16T00:27:30.353529" %% xsd:dateTime, cs:attr_prev_address="Studio 1, Eric lake, Hannahhaven, W4 0RU", cs:attr_first_confirmed="2025-09-17" %% xsd:date, cs:attr_address="Studio 95, Gerald curve, Walshton, S16 7PR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-03-13" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4103, app:providers/14)
  entity(app:records/4103, [pl:created_at="2026-07-28T07:44:25.109781" %% 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="294.74" %% xsd:float])
endDocument