31. Credit agencies often track consumer financial records for seven years and note each credit application.32. Both utilities'credit ratings were lowered by leading credit agencies to junk bond status. 33. But the victim is still required to deal separately with each of the credit agencies . 34. Credit agencies have warned that such a debt swap might be considered a partial default.35. This, I think, will allow us to ask for support from export credit agencies . 36. NationsBank Corp . denied a report that it plans to acquire a credit agency in Argentina. 37. "Those credit agencies failed to anticipate the Asian crisis, " he said. 38. He added that Argentina will need the backing of international credit agencies to complete the plan. 39. Gokongwei said the acquisition will primarily be financed through loans guaranteed by European export credit agencies . 40. In January 1994, international credit agencies downgraded Turkey's debt to below investment grade.