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.
Keep in mind that when you are shopping for a mortgage, virtually all lenders will review your credit reports from all three major credit reporting agencies: Equifax, Experian and TransUnion. That means you should review your credit reports with all three as well, to make sure they are accurate and up-to-date.