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-reporting agencies get their information from retailers, credit card companies, lenders, banks, collection agencies, and public records. When you enter into an agreement with a creditor, the information you provide them is included on your credit report as a reflection of that agreement.