21.   Garrucho said loans to finance the project will likely come from European export credit agencies Kreditanstalt Feur Wiederaufbau and Hermes, and possibly the U.S. Export-Import Bank.

22.   Having the complaint in hand was the essential element in proving to my bank, credit agencies and others that a theft had occurred.

23.   He notified all the right people, including all three credit agencies.

24.   He later settled a suit against the credit agency for a confidential amount, said his attorney, Mitchell Gliner.

25.   He then went back to the credit agencies to persuade them to heed the request.

26.   However, credit agencies say the claim simply is not true.

27.   If a consumer has too many cards and a lot of available credit, credit agencies could downgrade his or her credit worthiness.

28.   In a grim assessment, the credit agency also put an additional four Japanese banks under review for possible downgrade.

29.   Its monetary chiefs -- admittedly with the help of several billion dollars in loans from international credit agencies -- stuck to their guns, though.

30.   Major corporations, the reasoning goes, already have a system of checks and balances through auditors, credit agencies and Wall Street analysts.