Wilshire Consumer Credit

Is Wilshire Consumer Credit hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Wilshire Consumer Credit?

Operating under the legal name of Wilshire Commercial Capital, LLC, Wilshire Consumer Credit (WCC) is a firm that primarily deals in subprime auto financing and car title loans. They are based in Los Angeles, California.

You may find this consumer finance company appearing on your credit report as a collections account. Such a situation usually arises when you have not been able to keep up with the repayments on an auto loan or car title loan.

It’s important to note that the auto loans and car title loans might originate from various lenders. These lenders could include First Electronic Bank based in Salt Lake City, Utah, Wilshire Commercial Capital L.L.C. (doing business as LoanCenter), or Wilshire Consumer Credit itself.

How can I remove Wilshire Consumer Credit from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Wilshire Consumer Credit Contact Information


Wilshire Consumer Credit
4727 Wilshire Blvd Suite 100
Los Angeles, CA 90010

Mailing address:

Wilshire Consumer Credit
PO Box 76809
Los Angeles, CA 90076-0809

Phone number: (800) 589-0290 or (888) 333-5645

Should I contact or pay Wilshire customer service?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Wilshire Consumer Credit is to work with a credit repair professional. They help remove millions of negative items every year from companies like Wilshire Consumer Credit on behalf of their clients.

Will Wilshire Consumer Credit sue me or garnish my wages?

Wilshire Consumer Credit, like other lenders, has the legal right to sue you if you default on your loan payments. If they win the lawsuit, they may be able to obtain a court judgment against you. This judgment could potentially give them the ability to garnish your wages or levy your bank account, depending on your state’s laws.

However, keep in mind that legal action is often a last resort for most creditors. They typically prefer to negotiate a repayment plan or a settlement agreement to avoid the time, cost, and uncertainty associated with legal proceedings.

Wilshire Consumer Credit Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Wilshire Consumer Credit

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Wilshire Consumer Credit to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Wilshire Consumer Credit may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Wilshire Consumer Credit must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Wilshire Consumer Credit cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Wilshire Consumer Credit From Your Credit Report Today!

Lexington Law can assist you in disputing Wilshire Consumer Credit accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.