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/999, uuid:fc3c9a25-734b-4e45-86d0-b83ab35ae88e, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:fc3c9a25-734b-4e45-86d0-b83ab35ae88e, 2026-05-29T19:03:14.722000+01:00, 2026-05-30T04:31:18.090000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/999, app:applications/437, -, -, -)
  wasAssociatedWith(uuid:fc3c9a25-734b-4e45-86d0-b83ab35ae88e, app:the_bank, -)
  wasAttributedTo(app:decisions/999, app:the_bank)
  used(uuid:fc3c9a25-734b-4e45-86d0-b83ab35ae88e, app:applications/437, -)
  entity(app:applications/437)
  entity(app:decisions/999, [pl:created_at="2026-05-30T04:31:18.090140" %% 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/999, uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9)
  activity(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, 2026-05-29T19:03:14.722000+01:00, 2026-05-30T04:31:18.090000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/999, app:applications/437, -, -, -)
  wasDerivedFrom(app:recommendations/999, app:records/3367, -, -, -)
  wasDerivedFrom(app:recommendations/999, app:creditreports/999, -, -, -)
  wasDerivedFrom(app:recommendations/999, app:records/3368, -, -, -)
  wasDerivedFrom(app:recommendations/999, app:records/3370, -, -, -)
  wasDerivedFrom(app:recommendations/999, app:records/3369, -, -, -)
  wasAssociatedWith(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:machines/one, app:models/creditcard_assessment)
  used(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:applications/437, -)
  used(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:records/3369, -)
  used(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:creditreports/999, -)
  used(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:records/3367, -)
  used(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:records/3370, -)
  used(uuid:f11b38e2-3f6b-4cbd-a721-dbb1542448d9, app:records/3368, -)
  wasAttributedTo(app:recommendations/999, app:machines/one)
  entity(app:records/3367)
  entity(app:models/creditcard_assessment)
  entity(app:applications/437)
  entity(app:recommendations/999, [pl:created_at="2026-05-30T04:31:18.090140" %% 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/3370)
  entity(app:records/3368)
  entity(app:records/3369)
  entity(app:creditreports/999)
  wasDerivedFrom(app:decisions/999, app:recommendations/999, -, -, -)
  entity(app:recommendations/999)
  entity(app:decisions/999)
  agent(app:applicants/437, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Maureen Lawrence-Harris"])
  wasAttributedTo(app:applications/437, app:applicants/437)
  entity(app:applications/437, [cs:attr_annual_income=45000, pl:created_at="2026-05-29T19:03:14.722475" %% xsd:dateTime, cs:attr_prev_address="277 Ellie curve, Sandraborough, S28 6QJ", cs:attr_address="737 Joseph junctions, Louisfurt, DT7W 5UN", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1996-07-17" %% xsd:date, cs:attr_emp_title="Speech and language therapist", cs:attr_home_ownership=4, cs:attr_phone_number="+44(0)1184960175", cs:attr_email_address="leahhopkins@example.com", cs:attr_applicant_name="Maureen Lawrence-Harris", cs:attr_emp_length=4])
  wasDerivedFrom(app:applications/437/id, app:applications/437, -, -, -)
  entity(app:applications/437/id, [cs:attr_prev_address="277 Ellie curve, Sandraborough, S28 6QJ", cs:attr_address="737 Joseph junctions, Louisfurt, DT7W 5UN", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1996-07-17" %% xsd:date, cs:attr_applicant_name="Maureen Lawrence-Harris"])
  entity(app:applications/437)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/999, uuid:88ffbec1-18ca-4dde-a046-f76fbaf0fde7, -)
  activity(uuid:88ffbec1-18ca-4dde-a046-f76fbaf0fde7, 2026-05-30T04:31:18.080000+01:00, 2026-05-30T04:31:18.080000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:88ffbec1-18ca-4dde-a046-f76fbaf0fde7, app:providers/1, -)
  wasDerivedFrom(app:creditreports/999, app:applications/437/id, -, -, -)
  wasAttributedTo(app:creditreports/999, app:providers/1)
  used(uuid:88ffbec1-18ca-4dde-a046-f76fbaf0fde7, app:applications/437/id, -)
  entity(app:applications/437/id)
  entity(app:creditreports/999, [pl:created_at="2026-05-30T04:31:18.080768" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=69])
  wasDerivedFrom(app:creditreports/999, app:records/3368, -, -, -)
  wasDerivedFrom(app:creditreports/999, app:records/3370, -, -, -)
  wasDerivedFrom(app:creditreports/999, app:records/3367, -, -, -)
  wasDerivedFrom(app:creditreports/999, app:records/3369, -, -, -)
  wasDerivedFrom(app:creditreports/999, app:records/3365, -, -, -)
  wasDerivedFrom(app:creditreports/999, app:records/3366, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3365, app:providers/2)
  entity(app:records/3365, [pl:created_at="2026-05-16T00:00:00" %% xsd:dateTime, cs:attr_address="737 Joseph junctions, Louisfurt, DT7W 5UN", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-07-22" %% xsd:date])
  agent(app:providers/13, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="VOXI"])
  wasAttributedTo(app:records/3366, app:providers/13)
  entity(app:records/3366, [pl:created_at="2026-05-30T04:31:18.085895" %% xsd:dateTime, cs:attr_prev_address="277 Ellie curve, Sandraborough, S28 6QJ", cs:attr_first_confirmed="2026-05-24" %% xsd:date, cs:attr_address="737 Joseph junctions, Louisfurt, DT7W 5UN", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-06-01" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3368, app:providers/15)
  entity(app:records/3368, [pl:created_at="2026-05-30T04:31:18.088066" %% xsd:dateTime, cs:attr_payment_amount="92.05" %% 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="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1677.92" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3369, app:providers/15)
  entity(app:records/3369, [pl:created_at="2026-05-30T04:31:18.088675" %% 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="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1677.92" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3370, app:providers/15)
  entity(app:records/3370, [pl:created_at="2026-05-30T04:31:18.089238" %% xsd:dateTime, cs:attr_payment_amount="66.7" %% xsd:float, cs:attr_month="Sep-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1677.92" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3367, app:providers/15)
  entity(app:records/3367, [pl:created_at="2026-05-30T04:31:18.087334" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Oct-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1677.92" %% xsd:float])
endDocument