31.   NationsBank Corp. denied a report that it plans to acquire a credit agency in Argentina.

32.   On Monday, the two big credit agencies lowered their ratings on the debt of Lucent to a notch of junk status.

33.   Petrozuata officials said the loan agreement is with several banks and international credit agencies.

34.   Ratings on the debt are due from credit agencies on Friday.

35.   Security experts say that the real problem is the business methods used by credit reporting agencies and financial service firms.

36.   Several retailers said sales on Friday and Saturday were more robust than expected, and trade groups and credit agencies also reported their surveys indicated sales gains.

37.   Several credit agencies in the United States have assailed the plan, saying it is tantamount to the largest default of any country in history.

38.   Some information sought by the credit agencies can be found in the presentation materials.

39.   The credit agency is expected to announce the results of its review in April.

40.   The credit agencies have been criticized in the past for not moving quickly enough.