A “furnisher” is simply any company that sends information about you to the credit bureaus. The information a furnisher sends in on a consumer to the credit reporting agencies appears on the credit report and that is called a “tradeline”.
Examples:
- Credit card companies
- Auto lenders
- Mortgage lenders
- Banks
- Utilities
- Collection agencies
If they report your payments (or non-payments), they’re a furnisher.
When an error appears on your credit report, they are often the source of the inaccuracy — and the ones the bureau contacts during an investigati