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.
More than half of credit reports have errors. These errors are affecting your credit score. The 3 Credit Bureaus, Equifax, Experian, Transunion, are paid to report credit information. Every time a auto loan company, mortgage company or an employer pulls your credit they have to pay for that credit report. So Credit Bureaus tend to be conservative and include all available information.