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/1272, uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530, 2026-07-31T04:11:21.083000+01:00, 2026-07-31T09:01:22.880000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1272, app:applications/506, -, -, -)
  wasAssociatedWith(uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530, app:the_bank, -)
  wasAttributedTo(app:decisions/1272, app:the_bank)
  used(uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530, app:applications/506, -)
  entity(app:decisions/1272, [pl:created_at="2026-07-31T09:01:22.880671" %% 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/506)
  wasGeneratedBy(app:recommendations/1272, uuid:26d8e029-2001-44b8-9059-34181a333225, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:26d8e029-2001-44b8-9059-34181a333225, 2026-07-31T04:11:21.083000+01:00, 2026-07-31T09:01:22.880000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:26d8e029-2001-44b8-9059-34181a333225)
  wasDerivedFrom(app:recommendations/1272, app:records/4169, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:records/4181, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:records/4179, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:records/4180, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:records/4168, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:records/4178, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:creditreports/1272, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:records/4170, -, -, -)
  wasDerivedFrom(app:recommendations/1272, app:applications/506, -, -, -)
  wasAssociatedWith(uuid:26d8e029-2001-44b8-9059-34181a333225, app:machines/one, app:models/creditcard_assessment)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4179, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4168, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:applications/506, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4170, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4180, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4169, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4178, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:creditreports/1272, -)
  used(uuid:26d8e029-2001-44b8-9059-34181a333225, app:records/4181, -)
  wasAttributedTo(app:recommendations/1272, app:machines/one)
  entity(app:creditreports/1272)
  entity(app:records/4168)
  entity(app:records/4179)
  entity(app:records/4178)
  entity(app:models/creditcard_assessment)
  entity(app:records/4169)
  entity(app:records/4181)
  entity(app:recommendations/1272, [pl:created_at="2026-07-31T09:01:22.880671" %% 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:applications/506)
  entity(app:records/4170)
  entity(app:records/4180)
  wasDerivedFrom(app:decisions/1272, app:recommendations/1272, -, -, -)
  entity(app:decisions/1272)
  entity(app:recommendations/1272)
  agent(app:applicants/506, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Stephen Collins"])
  wasAttributedTo(app:applications/506, app:applicants/506)
  entity(app:applications/506, [cs:attr_annual_income=53000, pl:created_at="2026-07-31T04:11:21.083256" %% xsd:dateTime, cs:attr_prev_address="14 Kennedy springs, East Pamelafort, M01 0XU", cs:attr_address="Studio 55x, Wood field, West Dorothy, LD4 4PN", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1974-10-29" %% xsd:date, cs:attr_emp_title="Editorial assistant", cs:attr_home_ownership=3, cs:attr_phone_number="0131 4960870", cs:attr_email_address="fostershirley@example.org", cs:attr_applicant_name="Stephen Collins", cs:attr_emp_length=29])
  wasDerivedFrom(app:applications/506/id, app:applications/506, -, -, -)
  entity(app:applications/506)
  entity(app:applications/506/id, [cs:attr_prev_address="14 Kennedy springs, East Pamelafort, M01 0XU", cs:attr_address="Studio 55x, Wood field, West Dorothy, LD4 4PN", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1974-10-29" %% xsd:date, cs:attr_applicant_name="Stephen Collins"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1272, uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1, -)
  activity(uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1, 2026-07-31T09:01:22.873000+01:00, 2026-07-31T09:01:22.873000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1272, app:applications/506/id, -, -, -)
  used(uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1, app:applications/506/id, -)
  wasAttributedTo(app:creditreports/1272, app:providers/1)
  entity(app:creditreports/1272, [pl:created_at="2026-07-31T09:01:22.873036" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=573])
  entity(app:applications/506/id)
  wasDerivedFrom(app:creditreports/1272, app:records/4180, -, -, -)
  wasDerivedFrom(app:creditreports/1272, app:records/4166, -, -, -)
  wasDerivedFrom(app:creditreports/1272, app:records/4181, -, -, -)
  wasDerivedFrom(app:creditreports/1272, app:records/4167, -, -, -)
  wasDerivedFrom(app:creditreports/1272, app:records/4179, -, -, -)
  wasDerivedFrom(app:creditreports/1272, app:records/4178, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4166, app:providers/2)
  entity(app:records/4166, [pl:created_at="2026-07-15T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 55x, Wood field, West Dorothy, LD4 4PN", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-12-26" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/4167, app:providers/7)
  entity(app:records/4167, [pl:created_at="2026-07-31T09:01:15.681608" %% xsd:dateTime, cs:attr_prev_address="14 Kennedy springs, East Pamelafort, M01 0XU", cs:attr_first_confirmed="2026-07-20" %% xsd:date, cs:attr_address="Studio 55x, Wood field, West Dorothy, LD4 4PN", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-05-18" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4178, app:providers/14)
  entity(app:records/4178, [pl:created_at="2026-07-31T09:01:22.876969" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Feb-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1155.04" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4179, app:providers/14)
  entity(app:records/4179, [pl:created_at="2026-07-31T09:01:22.877763" %% xsd:dateTime, cs:attr_payment_amount="28.63" %% 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="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1155.04" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4180, app:providers/14)
  entity(app:records/4180, [pl:created_at="2026-07-31T09:01:22.878552" %% xsd:dateTime, cs:attr_payment_amount="41.22" %% 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="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1155.04" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4181, app:providers/14)
  entity(app:records/4181, [pl:created_at="2026-07-31T09:01:22.879506" %% 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="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1155.04" %% xsd:float])
endDocument