This includes a consumer reporting agency that prepares your credit report. 这包括消费者报告机构，编写您的信用报告。
If you cannot repay your overdrawn balance and fees, you risk the closure of your checking account and negative information may be reported to consumer reporting agencies. 如果您不能偿还预支馀额及手续费，您的支票帐户会被关闭，以及负面的讯息会被报到消费者报告机构。
