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/938, uuid:20b328b6-68d1-42ec-b843-a8d71891dbb3, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:20b328b6-68d1-42ec-b843-a8d71891dbb3, 2025-10-13T07:39:09.822000+01:00, 2026-05-03T13:18:38.661000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:20b328b6-68d1-42ec-b843-a8d71891dbb3, app:the_bank, -)
  wasDerivedFrom(app:decisions/938, app:applications/246, -, -, -)
  wasAttributedTo(app:decisions/938, app:the_bank)
  used(uuid:20b328b6-68d1-42ec-b843-a8d71891dbb3, app:applications/246, -)
  entity(app:applications/246)
  entity(app:decisions/938, [pl:created_at="2026-05-03T13:18:38.661094" %% 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/938, uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c)
  activity(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, 2025-10-13T07:39:09.822000+01:00, 2026-05-03T13:18:38.661000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/938, app:records/1697, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/2085, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/2084, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/3167, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/3168, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/3169, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:applications/246, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/1936, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/1935, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/1699, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/2083, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:creditreports/938, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/1934, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/1700, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/1698, -, -, -)
  wasDerivedFrom(app:recommendations/938, app:records/2086, -, -, -)
  wasAssociatedWith(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:machines/one, app:models/creditcard_assessment)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1699, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/2086, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1700, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/3168, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/3169, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1935, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1936, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/2083, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/2085, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/3167, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:applications/246, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1697, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1698, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/1934, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:records/2084, -)
  used(uuid:9b0c8a43-0765-4fc0-969a-525affdd0f2c, app:creditreports/938, -)
  wasAttributedTo(app:recommendations/938, app:machines/one)
  entity(app:records/3167)
  entity(app:records/3168)
  entity(app:records/3169)
  entity(app:creditreports/938)
  entity(app:records/2084)
  entity(app:records/2085)
  entity(app:records/2086)
  entity(app:records/1700)
  entity(app:records/1934)
  entity(app:records/1697)
  entity(app:recommendations/938, [pl:created_at="2026-05-03T13:18:38.661094" %% 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/1698)
  entity(app:records/1699)
  entity(app:applications/246)
  entity(app:models/creditcard_assessment)
  entity(app:records/1935)
  entity(app:records/1936)
  entity(app:records/2083)
  wasDerivedFrom(app:decisions/938, app:recommendations/938, -, -, -)
  entity(app:decisions/938)
  entity(app:recommendations/938)
  agent(app:applicants/246, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Barbara Griffiths"])
  wasAttributedTo(app:applications/246, app:applicants/246)
  entity(app:applications/246, [cs:attr_annual_income=10000, pl:created_at="2025-10-13T07:39:09.822260" %% xsd:dateTime, cs:attr_prev_address="Flat 90, Thomson islands, Wendyland, E1H 8DL", cs:attr_address="Flat 3, Kim greens, West Jay, L35 2XP", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1983-04-27" %% xsd:date, cs:attr_emp_title="Advertising copywriter", cs:attr_home_ownership=3, cs:attr_phone_number="+44(0)909 879 0791", cs:attr_email_address="joyce89@example.net", cs:attr_applicant_name="Barbara Griffiths", cs:attr_emp_length=0])
  wasDerivedFrom(app:applications/246/id, app:applications/246, -, -, -)
  entity(app:applications/246)
  entity(app:applications/246/id, [cs:attr_prev_address="Flat 90, Thomson islands, Wendyland, E1H 8DL", cs:attr_address="Flat 3, Kim greens, West Jay, L35 2XP", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1983-04-27" %% xsd:date, cs:attr_applicant_name="Barbara Griffiths"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/938, uuid:5f371188-183c-4947-848d-95688a0cf1b9, -)
  activity(uuid:5f371188-183c-4947-848d-95688a0cf1b9, 2026-05-03T13:18:38.653000+01:00, 2026-05-03T13:18:38.653000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:5f371188-183c-4947-848d-95688a0cf1b9, app:providers/1, -)
  wasDerivedFrom(app:creditreports/938, app:applications/246/id, -, -, -)
  wasAttributedTo(app:creditreports/938, app:providers/1)
  used(uuid:5f371188-183c-4947-848d-95688a0cf1b9, app:applications/246/id, -)
  entity(app:applications/246/id)
  entity(app:creditreports/938, [pl:created_at="2026-05-03T13:18:38.653812" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=129])
  wasDerivedFrom(app:creditreports/938, app:records/3167, -, -, -)
  wasDerivedFrom(app:creditreports/938, app:records/3168, -, -, -)
  wasDerivedFrom(app:creditreports/938, app:records/1695, -, -, -)
  wasDerivedFrom(app:creditreports/938, app:records/3169, -, -, -)
  wasDerivedFrom(app:creditreports/938, app:records/1696, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/1695, app:providers/2)
  entity(app:records/1695, [pl:created_at="2025-10-02T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 3, Kim greens, West Jay, L35 2XP", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-02-26" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/1696, app:providers/7)
  entity(app:records/1696, [pl:created_at="2025-10-13T15:06:54.570792" %% xsd:dateTime, cs:attr_prev_address="Flat 90, Thomson islands, Wendyland, E1H 8DL", cs:attr_first_confirmed="2025-09-26" %% xsd:date, cs:attr_address="Flat 3, Kim greens, West Jay, L35 2XP", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-04-08" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3167, app:providers/14)
  entity(app:records/3167, [pl:created_at="2026-05-03T13:18:38.658629" %% xsd:dateTime, cs:attr_payment_amount="113.01" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1243.78" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3168, app:providers/14)
  entity(app:records/3168, [pl:created_at="2026-05-03T13:18:38.659541" %% 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="1300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1243.78" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3169, app:providers/14)
  entity(app:records/3169, [pl:created_at="2026-05-03T13:18:38.660169" %% xsd:dateTime, cs:attr_payment_amount="2.7" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1243.78" %% xsd:float])
endDocument