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 next diagram describes how the Credit Reporting Agencies (Credit Bureaus) process dispute letters received via mail thru the e-OSCAR system. The Credit Reporting Agency receives the Credit Dispute sent by YOU in representation of the Consumer (like it was sent by the Consumer).