A credit data furnisher is an institution that reports consumer credit information to one or more of the major credit bureaus. In other words, your credit reports don't populate themselves. The lenders you borrow from send your account activity to the credit bureaus, and then they update your reports accordingly.  Furnishers can include traditional banks, digital banks, credit unions, credit card issuers, collection agencies, mortgage lenders, and auto loan lenders. If a company is involved in financing, it probably furnishes credit data. However, just because an institution furnishes credit data doesn't mean it furnishes it to all three bureaus.