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.
The three largest national consumer reporting agencies (NCRAs) that compile and sell comprehensive credit reports are Equifax, Experian and TransUnion. Each one is an independent, for-profit business that competes with the other two.