In January 2012 we got a title loan from Wilshire Consumer Credit. We paid in full in March of that same year. I GOT OUR TITLE BACK. We are trying to rebuild our credit and they have on my credit report that we were late in making payments and it is a charged off account. If we owed money still how did we get our title back. When I sold the car it showed a clear title. If this company does not remove this hit from my credit, I am going to report this to the California State Attorney General. I would highly recommend that any and all others that feel this company has been fraudulent in dealing with you to write a letter to Califonia's Attorney General. At the very least this could get an investigation of their dealings.