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/1585, uuid:c7872151-b12a-4f17-89b5-b2169d31e24c, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:c7872151-b12a-4f17-89b5-b2169d31e24c, 2026-09-24T19:52:02.949000+01:00, 2026-09-25T12:43:45.749000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1585, app:applications/591, -, -, -)
  wasAssociatedWith(uuid:c7872151-b12a-4f17-89b5-b2169d31e24c, app:the_bank, -)
  used(uuid:c7872151-b12a-4f17-89b5-b2169d31e24c, app:applications/591, -)
  wasAttributedTo(app:decisions/1585, app:the_bank)
  entity(app:applications/591)
  entity(app:decisions/1585, [pl:created_at="2026-09-25T12:43:45.749278" %% 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/1585, uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, 2026-09-24T19:52:02.949000+01:00, 2026-09-25T12:43:45.749000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b)
  wasDerivedFrom(app:recommendations/1585, app:records/5135, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5137, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:applications/591, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:creditreports/1585, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5134, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5139, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5133, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5136, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5140, -, -, -)
  wasDerivedFrom(app:recommendations/1585, app:records/5138, -, -, -)
  wasAssociatedWith(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:machines/one, app:models/creditcard_assessment)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5140, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5139, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5136, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5134, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5135, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5138, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5137, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:applications/591, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:creditreports/1585, -)
  used(uuid:286c231b-a6eb-4d7c-915f-c5ccf795a51b, app:records/5133, -)
  wasAttributedTo(app:recommendations/1585, app:machines/one)
  entity(app:records/5136)
  entity(app:records/5135)
  entity(app:records/5138)
  entity(app:records/5137)
  entity(app:models/creditcard_assessment)
  entity(app:records/5134)
  entity(app:records/5133)
  entity(app:records/5140)
  entity(app:applications/591)
  entity(app:recommendations/1585, [pl:created_at="2026-09-25T12:43:45.749278" %% 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/5139)
  entity(app:creditreports/1585)
  wasDerivedFrom(app:decisions/1585, app:recommendations/1585, -, -, -)
  entity(app:recommendations/1585)
  entity(app:decisions/1585)
  agent(app:applicants/591, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Leah Lloyd"])
  wasAttributedTo(app:applications/591, app:applicants/591)
  entity(app:applications/591, [cs:attr_annual_income=16000, pl:created_at="2026-09-24T19:52:02.949860" %% xsd:dateTime, cs:attr_prev_address="Flat 9, Trevor plain, West Carly, G4K 7FH", cs:attr_address="431 Gray cliff, Port Joyce, W29 9HF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1983-08-01" %% xsd:date, cs:attr_emp_title="Television floor manager", cs:attr_home_ownership=3, cs:attr_phone_number="(0121) 4960067", cs:attr_email_address="denise82@example.com", cs:attr_applicant_name="Leah Lloyd", cs:attr_emp_length=9])
  wasDerivedFrom(app:applications/591/id, app:applications/591, -, -, -)
  entity(app:applications/591)
  entity(app:applications/591/id, [cs:attr_prev_address="Flat 9, Trevor plain, West Carly, G4K 7FH", cs:attr_address="431 Gray cliff, Port Joyce, W29 9HF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1983-08-01" %% xsd:date, cs:attr_applicant_name="Leah Lloyd"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1585, uuid:c98af929-c319-457d-969e-9f6a4838268e, -)
  activity(uuid:c98af929-c319-457d-969e-9f6a4838268e, 2026-09-25T12:43:45.739000+01:00, 2026-09-25T12:43:45.739000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1585, app:applications/591/id, -, -, -)
  wasAssociatedWith(uuid:c98af929-c319-457d-969e-9f6a4838268e, app:providers/1, -)
  used(uuid:c98af929-c319-457d-969e-9f6a4838268e, app:applications/591/id, -)
  wasAttributedTo(app:creditreports/1585, app:providers/1)
  entity(app:applications/591/id)
  entity(app:creditreports/1585, [pl:created_at="2026-09-25T12:43:45.739691" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=172])
  wasDerivedFrom(app:creditreports/1585, app:records/5138, -, -, -)
  wasDerivedFrom(app:creditreports/1585, app:records/5139, -, -, -)
  wasDerivedFrom(app:creditreports/1585, app:records/5132, -, -, -)
  wasDerivedFrom(app:creditreports/1585, app:records/5137, -, -, -)
  wasDerivedFrom(app:creditreports/1585, app:records/5131, -, -, -)
  wasDerivedFrom(app:creditreports/1585, app:records/5140, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/5131, app:providers/2)
  entity(app:records/5131, [pl:created_at="2026-08-28T00:00:00" %% xsd:dateTime, cs:attr_address="431 Gray cliff, Port Joyce, W29 9HF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2026-07-21" %% xsd:date])
  agent(app:providers/12, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="TalkTalk"])
  wasAttributedTo(app:records/5132, app:providers/12)
  entity(app:records/5132, [pl:created_at="2026-09-25T12:43:30.089506" %% xsd:dateTime, cs:attr_prev_address="Flat 9, Trevor plain, West Carly, G4K 7FH", cs:attr_first_confirmed="2026-09-10" %% xsd:date, cs:attr_address="431 Gray cliff, Port Joyce, W29 9HF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-07-02" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/5137, app:providers/14)
  entity(app:records/5137, [pl:created_at="2026-09-25T12:43:45.745459" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="556.56" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/5138, app:providers/14)
  entity(app:records/5138, [pl:created_at="2026-09-25T12:43:45.746540" %% 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="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="556.56" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/5139, app:providers/14)
  entity(app:records/5139, [pl:created_at="2026-09-25T12:43:45.747422" %% 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="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="556.56" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/5140, app:providers/14)
  entity(app:records/5140, [pl:created_at="2026-09-25T12:43:45.748214" %% xsd:dateTime, cs:attr_payment_amount="26.32" %% 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="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="556.56" %% xsd:float])
endDocument