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How to Get Wilshire Consumer Credit Off Your Credit Report

If you have been hearing from Wilshire Consumer Credit, you’re dealing with one of the more aggressive debt collection agencies in the marketplace.

Most likely, this third-party debt collector believes you owe money on an auto loan or title loan.

The resulting collection account will damage your credit score.

We can help you remove a Wilshire Consumer Credit collection account from your credit report while also stopping phone calls and other forms of harassment.

About Wilshire Consumer Credit

Wilshire Consumer Credit, also known as Wilshire Commercial Capital, LLC, is a small debt collection agency and auto financing company located in Los Angeles.

This agency is a subsidiary of Westlake Services, LLC, and it boasts an annual revenue of $4.2 million.

Like many debt collectors, Wilshire Consumer Credit has faced many consumer complaints over the years.

In the past three years, the Better Business Bureau (BBB) has closed 377 complaints against this agency.

WCC has also been involved in 10 cases of civil litigation. These numbers are high even by debt collection standards.

Many of the consumer complaints accuse WCC of violating the federal Fair Debt Collection Practices Act (FDCPA), a law that prevents debt collectors from harassing or abusing consumers.

This law also prohibits debt collectors and consumer finance companies like WCC from employing deceptive business practices such as using fake caller ID info to misrepresent themselves.

If you experience these kinds of problems in your dealings with Wilshire Consumer Credit, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB).

The CFPB regulates debt collectors and enforces the FDCPA and other consumer protections such as the Fair Credit Reporting Act (FCRA).

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Get Wilshire Consumer Credit Off Your Credit Report

Getting a collection account off of your credit report is not always easy, but you can do it by taking a few important actions.

Here are the steps to take to remove Wilshire Consumer Credit from your credit history (and from your life).

Doing so should boost your credit score, especially if WCC’s is the only inaccurate or negative information on your credit reports with the major credit bureaus.

Step 1: Ask Them for Debt Validation

When debt is transferred to a debt collection agency from the original creditor, it is possible information about the debt is not accurate.

The debt collector may have inaccurate dates of account activity or debt balances.

Or, the debt being reported may not be yours to begin with if an account number gets entered incorrectly.

When you first hear from Wilshire Consumer Credit, you have the right to request debt validation.

When you request debt verification or validation, the debt collector must prove you owe the money.

The FDCPA gives you this right because consumers in the past have been held responsible for the debt they don’t owe.

But, debt validation is time-sensitive. You need to request validation within 30 days of first hearing from WCC. Otherwise, the debt collector can make the case you’ve accepted the debt as yours.

It’s important that you act fast.


To request debt validation, you’ll need to send Wilshire Consumer Credit a Section 609 letter. WCC’s mailing address is P.O. Box 96809, Los Angeles, CA 90076.

This is a formal request to obtain the information WCC has on file about your debt.

In your letter, include your account number, name, and original creditor so that Wilshire Consumer Credit can quickly locate your debt in their system.

Per the FDCPA, WCC is required to respond to your request within 30 days of receiving your debt validation letter.

You can request a return receipt when you send your letter to know for sure the agency has received your letter.

In response, Wilshire Consumer Credit should then provide documents detailing your debt. Go through each page and make sure everything matches up with your own records.

If anything doesn’t match what you know to be true, you can contact the major credit bureaus and file a dispute.

They will investigate and remove Wilshire Consumer Credit’s account if they agree that there was inaccurate reporting.

Step 2: Negotiate a Settlement

If Wilshire Consumer Credit provides the documents to validate your debt, the agency has proven you owe the money and you’re required to repay the debt.

This will likely be the case for many borrowers since WCC collects on auto loan and title loan debt that originated with its sister company.

There’s less room for errors in transfer in this arrangement.

But remember these two important facts about repaying your debt:

  1. You can use your payments to your advantage. Your payments can serve as leverage to get WCC deleted from your credit reports.
  2. If you simply pay off the debt, WCC will not remove it from your credit reports. You’ll just have a paid collection status which still shows you had debt in collections. Your credit will suffer as if you’d never paid off the old debt.

Because of these two facts, I recommend trying to work out a pay-for-delete agreement rather than paying off the debt.

A pay-for-delete settlement allows you to restore your credit report to its former glory while also closing the WCC collections account for good.

Here’s how to do it. Start by offering Wilshire Consumer Credit a portion of your total balance in exchange for account removal with all three major credit reporting bureaus.

WCC won’t be all that receptive at first, so you will need to go back and forth with the agency until you come to a compromise.

You may need to speak with several different agents before reaching someone with the authority to cut a deal.

Once Wilshire Consumer Credit agrees to remove the account, write up a contract that lists the terms and conditions in clear language.

Make sure WCC signs this contract before you submit a payment on the debt.

It usually takes about a month for their entry to disappear from your credit report after you’ve paid as agreed.

Keep an eye on it to make sure that they follow through on their end of the agreement.


A lot of people don’t believe WCC would ever take less money than the account balance due.

They also don’t expect a debt collection agency to give in and delete negative information from their credit history.

Sometimes it doesn’t work. But more often than you’d think, it does. It works because debt collectors value cash more than they value keeping negative marks on your credit report.

You’re offering something the agency needs — money paid on your debt — in exchange for something you need — credit repair.

Give it a shot, and be willing to be persistent. Negotiating a settlement is never quick and easy. Expect some back and forth with several different people.

And, once again, get your agreement in writing and signed before making a payment.

Make sure the written agreement requires WCC to delete its negative credit information about you with all three bureaus.

Also, make sure the agreement requires WCC to close your account and stop trying to collect.

Otherwise, your payment could restart the statute of limitations on your debt, exposing yourself to more liability than necessary.

Step 3: Hire a Credit Repair Company

If negotiating with debt collectors just isn’t in your wheelhouse, you can always outsource that task to a credit repair company.

Credit repair companies can be a lifesaver for people who are either too busy or too nervous to deal with Wilshire Consumer Credit directly.

Credit repair pros can take over the communications and negotiations so you don’t have to worry about it — beyond paying the credit repair team’s monthly fees and an initial set-up fee.

A credit repair company won’t do anything you couldn’t do yourself.

It’ll just work more quickly and more efficiently because it isn’t learning as it goes.

These firms have done this kind of negotiating with debt collectors for decades.

But it’s important to work with a company that is worth the money you’re paying them.

Lexington Law and Credit Saint are among my favorites.

I recommend learning about these companies and the other top credit repair companies to find the best fit for your credit fix.

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Frequently Asked Questions About Wilshire Consumer Credit

We get these sorts of questions from readers a lot, so I’d like to answer some of them.

Will Wilshire Consumer Credit Sue Me?

Wilshire Consumer Credit has the right to sue you for repayment of debt but this isn’t likely unless you owe an unusually large sum of money on a title loan or auto loan. In most cases, the costs of a lawsuit would outweigh the financial gains for the company.

Wilshire Consumer Credit does not have the authority to press criminal charges against you or to threaten you with criminal action. If you feel threatened over the phone, report your interaction to the Consumer Financial Protection Bureau.

Will Wilshire Consumer Credit Garnish My Wages?

In order for WCC to garnish your wages, it would need to first sue you and win the lawsuit against you in civil court. Then it would have to petition the judge to get access to your wages as repayment of the debt.

Keep this in mind if an agent from WCC or any other debt collector threatens to garnish your wages. Yes, it is legally possible for this to happen. But it won’t happen overnight. I mention this because so many consumer complaints about WCC cite these kinds of threats. These false threats are illegal debt collection tactics and should be reported.

Will Wilshire Consumer Credit Help Fix My Credit Score?

No, WCC is not particularly concerned about your credit score — beyond your score’s ability to motivate you into making a payment. If an agent promises to help fix your credit score in exchange for a payment, know that this likely won’t happen unless you have the agreement in writing first.

What is the Address for Wilshire Consumer Credit?

WCC is located at 4727 Wilshire Blvd, Ste. 100, Los Angeles, CA 90010. However, you should send letters to P.O. Box 76809, Los Angeles, CA 90076. You can call WCC at either of these phone numbers: 800-589-0290 or 888-333-5645.

How do I Stop the Phone Calls from Wilshire Consumer Credit?

This is actually very easy. You simply ask WCC to stop calling you. You have this right under the Fair Debt Collection Practices Act. But remember this: not getting phone calls does not mean you’re out of debt.

You can also request to be called only on a specific phone number or only at a certain time of day or day of the week.

I recommend asking WCC to contact you only by mail. This stops the phone calls and also gives you a paper trail if you need to file a complaint or dispute negative information.

Is Wilshire Consumer Credit a Scam?

No, Wilshire Consumer Credit is not a scam. It’s a bona fide debt collection agency in Southern California. If you’re hearing from this agency, it believes you owe it money. Unless you take action, this company will harm your credit and contact you regularly about the debt.

What if I Don’t Owe the Money?

This happens more often than you might think. Someone who no longer owes money or someone who never owed the money to begin with can be on the hook for debt.

Know that federal laws protect your rights in this case. The debt validation process described above should provide the tools you need to dispute this debt.

How Much Will Wilshire Consumer Credit Hurt My Credit Score?

This depends on your credit score before WCC reported its collection account to the three major credit bureaus (Equifax, Experian, and TransUnion). Someone with excellent credit can see a 100-point drop because of a collections account.

On the other hand, someone who already has several other collection agencies reporting derogatory marks may not notice a big credit score drop. Incidentally, it’s people in this boat who can get the most bang for their buck when they hire a credit repair company such as Lexington Law.

Protecting Your Credit from Wilshire Consumer Credit

Before you pick up the phone and pay Wilshire Consumer Credit, you should try to stop the agency’s collections by removing this collection entry from your credit reports.

Even if you can’t remove the debt through validation, you can still work out a settlement that benefits both parties.

Dealing with debt collectors and collection accounts is one of the first steps to cleaning up your credit history.

It’s best to handle Wilshire Consumer Credit now so that you don’t have to deal with the consequences later.

And it’s never too late to improve your credit score. Check out some of our other articles to learn how to improve your score.


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