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.
Credit rating agencies. Credit rating is a highly concentrated industry with the two largest rating agencies â Moody's Investors Service, Standard & Poor's â having roughly 80% market share globally, and the Big Three credit rating agencies â Moody's, S&P and Fitch Ratings â controlling approximately 95% of the ratings business.