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/1592, uuid:476f485a-25c3-48db-ad00-a1f5a593a87b, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:476f485a-25c3-48db-ad00-a1f5a593a87b, 2026-09-25T11:16:33.517000+01:00, 2026-09-26T02:10:34.267000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1592, app:applications/592, -, -, -)
  wasAssociatedWith(uuid:476f485a-25c3-48db-ad00-a1f5a593a87b, app:the_bank, -)
  used(uuid:476f485a-25c3-48db-ad00-a1f5a593a87b, app:applications/592, -)
  wasAttributedTo(app:decisions/1592, app:the_bank)
  entity(app:decisions/1592, [pl:created_at="2026-09-26T02:10:34.267244" %% 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/592)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1592, uuid:62319da0-8c10-493a-9fc0-54de801c393e, -)
  activity(uuid:62319da0-8c10-493a-9fc0-54de801c393e, 2026-09-25T11:16:33.517000+01:00, 2026-09-26T02:10:34.267000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:62319da0-8c10-493a-9fc0-54de801c393e)
  wasDerivedFrom(app:recommendations/1592, app:records/5158, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5157, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5161, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5159, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5155, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5156, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5162, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:creditreports/1592, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:applications/592, -, -, -)
  wasDerivedFrom(app:recommendations/1592, app:records/5160, -, -, -)
  wasAssociatedWith(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:machines/one, app:models/creditcard_assessment)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5160, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5155, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5161, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:applications/592, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5158, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5162, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5159, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:creditreports/1592, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5156, -)
  used(uuid:62319da0-8c10-493a-9fc0-54de801c393e, app:records/5157, -)
  wasAttributedTo(app:recommendations/1592, app:machines/one)
  entity(app:records/5158)
  entity(app:creditreports/1592)
  entity(app:records/5157)
  entity(app:records/5159)
  entity(app:models/creditcard_assessment)
  entity(app:records/5156)
  entity(app:records/5155)
  entity(app:records/5161)
  entity(app:recommendations/1592, [pl:created_at="2026-09-26T02:10:34.267244" %% 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/5160)
  entity(app:applications/592)
  entity(app:records/5162)
  wasDerivedFrom(app:decisions/1592, app:recommendations/1592, -, -, -)
  entity(app:decisions/1592)
  entity(app:recommendations/1592)
  agent(app:applicants/592, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Louise Jones"])
  wasAttributedTo(app:applications/592, app:applicants/592)
  entity(app:applications/592, [cs:attr_annual_income=51000, pl:created_at="2026-09-25T11:16:33.517820" %% xsd:dateTime, cs:attr_prev_address="4 Kathryn run, Port Shirley, N94 3XA", cs:attr_address="0 Lawrence village, East Abbie, W0 7HT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1954-04-24" %% xsd:date, cs:attr_emp_title="Therapist, drama", cs:attr_home_ownership=2, cs:attr_phone_number="+44(0)20 74960997", cs:attr_email_address="mcdonaldhugh@example.com", cs:attr_applicant_name="Louise Jones", cs:attr_emp_length=13])
  wasDerivedFrom(app:applications/592/id, app:applications/592, -, -, -)
  entity(app:applications/592/id, [cs:attr_prev_address="4 Kathryn run, Port Shirley, N94 3XA", cs:attr_address="0 Lawrence village, East Abbie, W0 7HT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1954-04-24" %% xsd:date, cs:attr_applicant_name="Louise Jones"])
  entity(app:applications/592)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1592, uuid:a26b9800-8947-4b50-b166-e9eb43ef5169, -)
  activity(uuid:a26b9800-8947-4b50-b166-e9eb43ef5169, 2026-09-26T02:10:34.259000+01:00, 2026-09-26T02:10:34.259000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1592, app:applications/592/id, -, -, -)
  wasAssociatedWith(uuid:a26b9800-8947-4b50-b166-e9eb43ef5169, app:providers/1, -)
  used(uuid:a26b9800-8947-4b50-b166-e9eb43ef5169, app:applications/592/id, -)
  wasAttributedTo(app:creditreports/1592, app:providers/1)
  entity(app:creditreports/1592, [pl:created_at="2026-09-26T02:10:34.259942" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=449])
  entity(app:applications/592/id)
  wasDerivedFrom(app:creditreports/1592, app:records/5161, -, -, -)
  wasDerivedFrom(app:creditreports/1592, app:records/5154, -, -, -)
  wasDerivedFrom(app:creditreports/1592, app:records/5162, -, -, -)
  wasDerivedFrom(app:creditreports/1592, app:records/5153, -, -, -)
  wasDerivedFrom(app:creditreports/1592, app:records/5160, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/5153, app:providers/2)
  entity(app:records/5153, [pl:created_at="2026-09-21T00:00:00" %% xsd:dateTime, cs:attr_address="0 Lawrence village, East Abbie, W0 7HT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-04-13" %% xsd:date])
  agent(app:providers/9, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="GiffGaff"])
  wasAttributedTo(app:records/5154, app:providers/9)
  entity(app:records/5154, [pl:created_at="2026-09-26T02:10:03.373596" %% xsd:dateTime, cs:attr_prev_address="4 Kathryn run, Port Shirley, N94 3XA", cs:attr_first_confirmed="2026-09-21" %% xsd:date, cs:attr_address="0 Lawrence village, East Abbie, W0 7HT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-01-16" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5160, app:providers/15)
  entity(app:records/5160, [pl:created_at="2026-09-26T02:10:34.264727" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Aug-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1009.32" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5161, app:providers/15)
  entity(app:records/5161, [pl:created_at="2026-09-26T02:10:34.265598" %% xsd:dateTime, cs:attr_payment_amount="3.87" %% xsd:float, cs:attr_month="Apr-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1009.32" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5162, app:providers/15)
  entity(app:records/5162, [pl:created_at="2026-09-26T02:10:34.266245" %% xsd:dateTime, cs:attr_payment_amount="82.04" %% 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="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1009.32" %% xsd:float])
endDocument