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so youre looking at your credit reports and you realize there are some false information on there and so you do some research and theres this all the FCRA Fair Credit Reporting Act and there are these people called the credit bureaus or credit reporting agencies those are folks like Equifax Experian TransUnion so they collect all this information and then prepare a credit report on you but then you also realize theres somebody called a furnisher so what is a furnisher and what do they have to do with my credit report well the furnisher is simply the company that provides or furnishes the information to the credit bureaus suddenly illustrate this one heres Equifax heres Capital One Bank of America aqua and whoever it might be and every month this company will send information about you to Equifax and to Experian and TransUnion whoever else they report to and theyll say heres how much you owe heres whether you were late or current or whatever the statuses of the of the loan or t