At Wilshire Consumer Credit we are committed to a culture of responsible lending. This involves abiding by consumer protection laws and regulations making sure that all of our customers are fully informed about the important details of our loan products. When you speak to any of our professional loan officers, you’ll have the opportunity to ask questions and learn about how our loans work. Additionally, here are some more resources and general information about credit scores that people often ask.

We encourage you to take the FREE Credit Scores and Reports course available through the California Department of Financial Protection and Innovation. It covers topics regarding credit scores and credit reports provided by consumer reporting agencies such as: the value of establishing a credit score; ways to establish a credit score; ways to improve a credit score; factors that impact a credit score; and ways to check one’s credit score. (https://dboca.everfi-next.net/student/dashboard/dbo/money-basics/4?locale=en#credit-scores-and-reports)

Additional Information

• How can I get a free copy of my credit report? You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity. (https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report)
• How do I dispute an error on my credit report? To dispute an error on your credit report, contact both the credit reporting company and the company that provided the information. Click here to be directed to consumerfinance.gov for more information. (https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/)

Helpful Links

• Consumer Education and Outreach. The California Department of Financial Protection and Innovation (DFPI) provides a variety of information and resources with a goal providing consumers with tools essential to make smart financial decisions. Its educational publications and materials are designed to educate consumers about various financial products and services. (https://dfpi.ca.gov/outreach/).