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.
Collection agencies. Credit report: Yes, collection agencies use credit reports to help determine which accounts you can pay off first. Credit score: Yes, collection agencies may use credit scores to predict the likelihood that a consumer will pay back the account.