The four phases are: Prophase, Metaphase, Anaphase, and Telophase. In prophase, chromosomes migrate toward the cell center. In metaphase, chromosomes align along the center plane of the cell known as the metaphase plate.
The 3 national credit reporting agencies in the United States are Equifax, Experian, and Trans Union. Experian was formerly known as TRW.
These credit reports are used by banks, card companies and other lenders to assess the quality of a personâs credit worthiness and help determine whether to grant them a loan. The three major credit bureaus have files on 200 million consumers. These are for-profit companies that generated nearly $9 billion in revenue in 2014. They are not affiliated with the U.S. government or with any educational entity. They provide a service to banks, lenders and individuals who pay them fees.