Wilshire credit neglected to send out a statement for 10 months and I could not acess my account on line. I received a statement 2/09 then nothing till 12/09. I had late fess for payments not received, then $141.00 for an aprasial. I had telaphone my payments in even that was a struggel, they siad I missed 2 payments but they could not come up with any statments from 2/09 till 6/09. I settled with them after the BBB was involved. Now they are just gone their phone number has changed and their web site is too it all takes you to BAC. read full review »