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/1445, uuid:ddf41b8e-0f8b-4189-b9a3-4c3af1cf7cd0, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:ddf41b8e-0f8b-4189-b9a3-4c3af1cf7cd0, 2026-09-07T22:48:43.709000+01:00, 2026-09-07T22:48:59.295000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1445, app:applications/547, -, -, -)
  wasAssociatedWith(uuid:ddf41b8e-0f8b-4189-b9a3-4c3af1cf7cd0, app:the_bank, -)
  used(uuid:ddf41b8e-0f8b-4189-b9a3-4c3af1cf7cd0, app:applications/547, -)
  wasAttributedTo(app:decisions/1445, app:the_bank)
  entity(app:applications/547)
  entity(app:decisions/1445, [pl:created_at="2026-09-07T22:48:59.295418" %% 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'])
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1445, uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, -)
  activity(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, 2026-09-07T22:48:43.709000+01:00, 2026-09-07T22:48:59.295000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96)
  wasDerivedFrom(app:recommendations/1445, app:records/4710, -, -, -)
  wasDerivedFrom(app:recommendations/1445, app:records/4709, -, -, -)
  wasDerivedFrom(app:recommendations/1445, app:applications/547, -, -, -)
  wasDerivedFrom(app:recommendations/1445, app:records/4708, -, -, -)
  wasDerivedFrom(app:recommendations/1445, app:creditreports/1445, -, -, -)
  wasDerivedFrom(app:recommendations/1445, app:records/4711, -, -, -)
  wasAssociatedWith(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:machines/one, app:models/creditcard_assessment)
  used(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:records/4710, -)
  used(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:records/4711, -)
  used(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:applications/547, -)
  used(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:records/4708, -)
  used(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:creditreports/1445, -)
  used(uuid:57fdf1e3-3bd5-4b85-bd27-3bb006570d96, app:records/4709, -)
  wasAttributedTo(app:recommendations/1445, app:machines/one)
  entity(app:recommendations/1445, [pl:created_at="2026-09-07T22:48:59.295418" %% 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:models/creditcard_assessment)
  entity(app:applications/547)
  entity(app:records/4708)
  entity(app:records/4709)
  entity(app:creditreports/1445)
  entity(app:records/4711)
  entity(app:records/4710)
  wasDerivedFrom(app:decisions/1445, app:recommendations/1445, -, -, -)
  entity(app:recommendations/1445)
  entity(app:decisions/1445)
  agent(app:applicants/547, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Lee Whitehead"])
  wasAttributedTo(app:applications/547, app:applicants/547)
  entity(app:applications/547, [cs:attr_annual_income=101000, pl:created_at="2026-09-07T22:48:43.709587" %% xsd:dateTime, cs:attr_prev_address="4 Hughes river, West Daniel, B9S 4GN", cs:attr_address="Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1966-12-09" %% xsd:date, cs:attr_emp_title="Airline pilot", cs:attr_home_ownership=4, cs:attr_phone_number="0292018582", cs:attr_email_address="bedwards@example.com", cs:attr_applicant_name="Lee Whitehead", cs:attr_emp_length=39])
  wasDerivedFrom(app:applications/547/id, app:applications/547, -, -, -)
  entity(app:applications/547/id, [cs:attr_prev_address="4 Hughes river, West Daniel, B9S 4GN", cs:attr_address="Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1966-12-09" %% xsd:date, cs:attr_applicant_name="Lee Whitehead"])
  entity(app:applications/547)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1445, uuid:582a8f64-cebf-4ece-966b-027c5afa7005, -)
  activity(uuid:582a8f64-cebf-4ece-966b-027c5afa7005, 2026-09-07T22:48:59.270000+01:00, 2026-09-07T22:48:59.270000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1445, app:applications/547/id, -, -, -)
  wasAssociatedWith(uuid:582a8f64-cebf-4ece-966b-027c5afa7005, app:providers/1, -)
  wasAttributedTo(app:creditreports/1445, app:providers/1)
  used(uuid:582a8f64-cebf-4ece-966b-027c5afa7005, app:applications/547/id, -)
  entity(app:applications/547/id)
  entity(app:creditreports/1445, [pl:created_at="2026-09-07T22:48:59.270328" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=495])
  wasDerivedFrom(app:creditreports/1445, app:records/4709, -, -, -)
  wasDerivedFrom(app:creditreports/1445, app:records/4706, -, -, -)
  wasDerivedFrom(app:creditreports/1445, app:records/4711, -, -, -)
  wasDerivedFrom(app:creditreports/1445, app:records/4707, -, -, -)
  wasDerivedFrom(app:creditreports/1445, app:records/4710, -, -, -)
  wasDerivedFrom(app:creditreports/1445, app:records/4708, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4706, app:providers/2)
  entity(app:records/4706, [pl:created_at="2026-08-13T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2026-01-27" %% xsd:date])
  agent(app:providers/11, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Sky"])
  wasAttributedTo(app:records/4707, app:providers/11)
  entity(app:records/4707, [pl:created_at="2026-09-07T22:48:59.287875" %% xsd:dateTime, cs:attr_prev_address="4 Hughes river, West Daniel, B9S 4GN", cs:attr_first_confirmed="2026-08-09" %% xsd:date, cs:attr_address="Flat 7, Marie trafficway, West Lawrenceshire, IV4E 4HQ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-08-08" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4708, app:providers/15)
  entity(app:records/4708, [pl:created_at="2026-09-07T22:48:59.290838" %% xsd:dateTime, cs:attr_payment_amount="11.86" %% 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="500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="137.43" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4709, app:providers/15)
  entity(app:records/4709, [pl:created_at="2026-09-07T22:48:59.291984" %% xsd:dateTime, cs:attr_payment_amount="11.19" %% xsd:float, cs:attr_month="Feb-2026", 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="137.43" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4710, app:providers/15)
  entity(app:records/4710, [pl:created_at="2026-09-07T22:48:59.292866" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jul-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="137.43" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4711, app:providers/15)
  entity(app:records/4711, [pl:created_at="2026-09-07T22:48:59.293866" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Dec-2025", 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="137.43" %% xsd:float])
endDocument