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 reports are created and maintained by the three major credit bureaus â Equifax, Experian and TransUnion â which collect individual's credit information, then sell it to lenders such as credit card companies and banks. That means you have three credit reports, although they should contain the same information.