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.
A disputed item must be dealt with by the credit agencies. The three major credit reporting agencies, TransUnion, Equifax and Experian, handle the credit reports of nearly all American consumers. With hundreds of millions of reports to track, mistakes are bound to happen.