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/1383, uuid:4d907f8d-7f2c-48f7-814d-b0f88aabeced, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:4d907f8d-7f2c-48f7-814d-b0f88aabeced, 2025-06-25T19:57:55.598000+01:00, 2026-08-23T02:03:23.902000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:4d907f8d-7f2c-48f7-814d-b0f88aabeced, app:the_bank, -)
  wasDerivedFrom(app:decisions/1383, app:applications/125, -, -, -)
  wasAttributedTo(app:decisions/1383, app:the_bank)
  used(uuid:4d907f8d-7f2c-48f7-814d-b0f88aabeced, app:applications/125, -)
  entity(app:applications/125)
  entity(app:decisions/1383, [pl:created_at="2026-08-23T02:03:23.902144" %% 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/1383, uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33)
  activity(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, 2025-06-25T19:57:55.598000+01:00, 2026-08-23T02:03:23.902000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1383, app:records/2486, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/806, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1346, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1291, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2435, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2615, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2609, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2434, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1347, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1290, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1461, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2606, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1349, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4500, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2026, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4519, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2614, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2619, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1348, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2716, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2608, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2025, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1289, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2612, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2617, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2618, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/804, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2488, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1445, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1446, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:creditreports/1383, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4499, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4520, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2610, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2489, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2487, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/805, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4501, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2607, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2616, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2613, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2503, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2432, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2023, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1969, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4518, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/807, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4502, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/1292, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2433, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4298, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/3271, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4521, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/4297, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:applications/125, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2024, -, -, -)
  wasDerivedFrom(app:recommendations/1383, app:records/2611, -, -, -)
  wasAssociatedWith(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:machines/one, app:models/creditcard_assessment)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4298, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4520, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2619, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4500, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2611, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4501, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2618, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2612, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4502, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2613, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1349, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/806, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/805, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2023, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1292, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/807, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2024, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4499, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2434, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2609, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1289, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2503, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2607, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2615, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2716, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:creditreports/1383, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2486, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2025, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4519, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2608, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2026, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1291, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/3271, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1969, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1346, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2488, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:applications/125, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2489, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/804, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2616, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1461, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2617, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4297, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1347, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1290, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4521, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2606, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1446, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/4518, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2614, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2610, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2435, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2487, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2433, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1348, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/2432, -)
  used(uuid:e3c248cf-6b45-45f0-a0ad-ba3642557a33, app:records/1445, -)
  wasAttributedTo(app:recommendations/1383, app:machines/one)
  entity(app:records/1461)
  entity(app:records/2432)
  entity(app:records/4499)
  entity(app:records/4298)
  entity(app:records/4297)
  entity(app:records/1348)
  entity(app:records/1349)
  entity(app:records/2433)
  entity(app:records/2434)
  entity(app:records/2435)
  entity(app:records/1346)
  entity(app:records/1347)
  entity(app:creditreports/1383)
  entity(app:records/2716)
  entity(app:records/4500)
  entity(app:records/2486)
  entity(app:records/2487)
  entity(app:records/806)
  entity(app:records/807)
  entity(app:records/804)
  entity(app:records/805)
  entity(app:records/2488)
  entity(app:records/4502)
  entity(app:records/2489)
  entity(app:records/4501)
  entity(app:applications/125)
  entity(app:records/2606)
  entity(app:records/2607)
  entity(app:records/2608)
  entity(app:records/2609)
  entity(app:records/2613)
  entity(app:records/2614)
  entity(app:records/4519)
  entity(app:records/2615)
  entity(app:records/2616)
  entity(app:records/4518)
  entity(app:records/1289)
  entity(app:records/2610)
  entity(app:records/1445)
  entity(app:records/2611)
  entity(app:records/1446)
  entity(app:records/2612)
  entity(app:models/creditcard_assessment)
  entity(app:records/2617)
  entity(app:records/2618)
  entity(app:records/1969)
  entity(app:records/2619)
  entity(app:records/1290)
  entity(app:records/1291)
  entity(app:records/3271)
  entity(app:records/4520)
  entity(app:records/2023)
  entity(app:records/2024)
  entity(app:records/4521)
  entity(app:records/2025)
  entity(app:records/1292)
  entity(app:recommendations/1383, [pl:created_at="2026-08-23T02:03:23.902144" %% 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/2503)
  entity(app:records/2026)
  wasDerivedFrom(app:decisions/1383, app:recommendations/1383, -, -, -)
  entity(app:decisions/1383)
  entity(app:recommendations/1383)
  agent(app:applicants/125, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Margaret Byrne"])
  wasAttributedTo(app:applications/125, app:applicants/125)
  entity(app:applications/125, [cs:attr_annual_income=17000, pl:created_at="2025-06-25T19:57:55.598518" %% xsd:dateTime, cs:attr_prev_address="1 Nigel dam, Melissaville, PH7H 5ZW", cs:attr_address="Flat 04S, Paige ranch, Brownetown, HS51 1FY", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1992-12-09" %% xsd:date, cs:attr_emp_title="Insurance underwriter", cs:attr_home_ownership=4, cs:attr_phone_number="+44(0)1314960556", cs:attr_email_address="chambersjames@example.com", cs:attr_applicant_name="Margaret Byrne", cs:attr_emp_length=4])
  wasDerivedFrom(app:applications/125/id, app:applications/125, -, -, -)
  entity(app:applications/125)
  entity(app:applications/125/id, [cs:attr_prev_address="1 Nigel dam, Melissaville, PH7H 5ZW", cs:attr_address="Flat 04S, Paige ranch, Brownetown, HS51 1FY", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1992-12-09" %% xsd:date, cs:attr_applicant_name="Margaret Byrne"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1383, uuid:e35c2a4e-6553-4255-b55f-bd562fe4eca3, -)
  activity(uuid:e35c2a4e-6553-4255-b55f-bd562fe4eca3, 2026-08-23T02:03:23.892000+01:00, 2026-08-23T02:03:23.892000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1383, app:applications/125/id, -, -, -)
  wasAssociatedWith(uuid:e35c2a4e-6553-4255-b55f-bd562fe4eca3, app:providers/1, -)
  used(uuid:e35c2a4e-6553-4255-b55f-bd562fe4eca3, app:applications/125/id, -)
  wasAttributedTo(app:creditreports/1383, app:providers/1)
  entity(app:creditreports/1383, [pl:created_at="2026-08-23T02:03:23.892360" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=510])
  entity(app:applications/125/id)
  wasDerivedFrom(app:creditreports/1383, app:records/803, -, -, -)
  wasDerivedFrom(app:creditreports/1383, app:records/4521, -, -, -)
  wasDerivedFrom(app:creditreports/1383, app:records/802, -, -, -)
  wasDerivedFrom(app:creditreports/1383, app:records/4519, -, -, -)
  wasDerivedFrom(app:creditreports/1383, app:records/4518, -, -, -)
  wasDerivedFrom(app:creditreports/1383, app:records/4520, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/802, app:providers/2)
  entity(app:records/802, [pl:created_at="2025-06-04T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 04S, Paige ranch, Brownetown, HS51 1FY", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-01-12" %% xsd:date])
  agent(app:providers/12, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="TalkTalk"])
  wasAttributedTo(app:records/803, app:providers/12)
  entity(app:records/803, [pl:created_at="2025-06-27T14:05:01.250383" %% xsd:dateTime, cs:attr_prev_address="1 Nigel dam, Melissaville, PH7H 5ZW", cs:attr_first_confirmed="2025-06-01" %% xsd:date, cs:attr_address="Flat 04S, Paige ranch, Brownetown, HS51 1FY", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-02-05" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4518, app:providers/14)
  entity(app:records/4518, [pl:created_at="2026-08-23T02:03:23.899060" %% xsd:dateTime, cs:attr_payment_amount="51.17" %% xsd:float, cs:attr_month="Jan-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="951.84" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4519, app:providers/14)
  entity(app:records/4519, [pl:created_at="2026-08-23T02:03:23.899981" %% xsd:dateTime, cs:attr_payment_amount="33.27" %% xsd:float, cs:attr_month="Jul-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="951.84" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4520, app:providers/14)
  entity(app:records/4520, [pl:created_at="2026-08-23T02:03:23.900614" %% xsd:dateTime, cs:attr_payment_amount="42.5" %% xsd:float, cs:attr_month="May-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="951.84" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4521, app:providers/14)
  entity(app:records/4521, [pl:created_at="2026-08-23T02:03:23.901202" %% xsd:dateTime, cs:attr_payment_amount="10.31" %% xsd:float, cs:attr_month="Jul-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="951.84" %% xsd:float])
endDocument