Answer:
companies who have checked persons credit.
Step-by-step explanation:
the more companies you allow to check credit, could be an indication of applying for multiple credit lines, which is a negative.
Answer:

Step-by-step explanation:
We want to simplify:

We rewrite as:

We split the radical sign to obtain:

Simplify the square root for the perfect squares to get:

Therefore the simplified form is: 
John gets 12, Walt, Matt, and Richie get 4 each