If Westlake Portfolio Management appears on your credit report, it usually means an unpaid auto loan or related debt has gone to collections. Here’s how they operate—and how to remove them from your credit report.
Who Is Westlake Portfolio Management?
Westlake Portfolio Management, LLC is a debt collection company based in Los Angeles, California. They primarily manage collections tied to auto loans, often working with accounts from Westlake Financial Services.
If you see them listed on your credit report, they are attempting to collect a debt tied to your name that has gone unpaid.
Who Does Westlake Portfolio Management Collect For?
Westlake Portfolio Management collects debts for:
- Westlake Financial Services – Their primary client, specializing in auto loans
- Private investors and lenders – Including companies holding delinquent auto loan portfolios
- Other financial services businesses – Collecting unpaid vehicle-related debts
If you have fallen behind on car loan payments with any of these lenders, your account may have been turned over to Westlake Portfolio Management.
Is Westlake Portfolio Management Legitimate?
Yes, Westlake Portfolio Management is a real debt collection agency. But even legitimate collectors can:
- Report inaccurate information to the credit bureaus
- Attempt to collect debts that don’t belong to you
- Make errors when contacting consumers
Always verify the details before making payments or arrangements.
How to Remove Westlake Portfolio Management From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to get them removed sooner:
- Dispute inaccuracies – If any details are incorrect, file a dispute with the credit bureaus.
- Request debt validation – You have the right to request written proof the debt belongs to you and the amount is accurate.
- Negotiate a pay-for-delete – Some collectors may agree to remove the account from your credit report if you pay. Always get the agreement in writing before sending payment.
- Work with a credit repair service – Professionals can help challenge negative items and work to improve your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Westlake Portfolio Management?
Before sending any payments, confirm the debt is valid and correctly reported. Credit reports can contain mistakes, and paying a debt without verifying the information can sometimes restart collection efforts, depending on your state.
Many people choose to work with experienced credit repair companies to avoid missteps when dealing with Westlake Portfolio Management.
Can Westlake Portfolio Management Sue You or Garnish Your Wages?
Yes, Westlake Portfolio Management has the right to take legal action to collect unpaid debts. If they win in court, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
However, lawsuits are often a last resort. Most collectors prefer to work out a payment plan or settlement to avoid the expense of legal action.
Complaints About Westlake Portfolio Management
Westlake Portfolio Management has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate credit reporting
- Harassment or excessive contact
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Westlake Portfolio Management
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair treatment.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false threats of legal action they cannot take
Knowing your rights can help you handle the situation confidently.
Westlake Portfolio Management Contact Information
Address:
Westlake Portfolio Management
4751 Wilshire Blvd, Ste 100
Los Angeles, CA 90010
Phone:
(877) 854-5688
Get Help Removing Westlake Portfolio Management From Your Credit Report
Collection accounts can damage your credit score, but you don’t have to face them alone. Credit Saint has more than 15 years of experience helping people challenge inaccurate information on their credit reports—including accounts from Westlake Portfolio Management.
They even offer a 90-day money-back guarantee for added peace of mind.
To get started, visit their website or call (855) 281-1510 for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
