Full Audit Trail — Application #31
1. Original Application
Applicant
Baron Gulgowski
Age
22
Income
€128,952.00
Loan Amount
€40,158.00
Credit Score
788
Employment
Employed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 128952 128952 type_conversion
age 22 22 type_conversion
credit_score 788 788 type_conversion
employment_status employed 0 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
APPROVED
Confidence
98.2%
5. SHAP Feature Importance
credit_score +0.210685
income +0.117654
loan_amount +0.043575
employment_status +0.022173
age -0.027457

Positive scores push toward APPROVED. Negative scores push toward REJECTED.