What does WSTSHMRK mean on my credit report?
Learn about WSTSHMRK, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is WSTSHMRK?
WSTSHMRK is shorthand for Contact Western Shamrock, with the company name being Contact Western Shamrock Inc
Customers look forward to seeing our smile at our stores as it visits them and consider us their favourite lender. From this single site in the Texas Panhandle, the company has grown to almost 200 offices in four states across the United States, and just recently began operation in Mexico.
WSTSHMRK is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Contact Western Shamrock.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for Contact Western Shamrock:
Address:
- 801 S. Abe San Angelo, TX 76903
Website:
Email:
- [disputes@westernshamrockcorp.com info@westernshamrock.com](mailto://disputes@westernshamrockcorp.com info@westernshamrock.com)
Phone:
Payments
This person wants to know how to make a payment and if there are any discounts for automatic payments. They would also like to know what other payment options are available. Western Shamrock offers a variety of payment methods including online, by phone, and by mail. Additionally, you can contact the company to lower your monthly payments. There are no penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
loan forgiveness or consolidation is not offered by this company.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | Yes |
How to Apply
You can apply for a loan from Western Shamrock Corporation online, over the phone, or with a cosigner. You will need to provide some personal information to apply, and the loan decision is based on several factors. The company keeps all personal information confidential. payments can be made online or by mail.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | No |
| Can I apply for a loan using a mobile app? | No |
| Can I apply for a loan with a cosigner? | Yes |
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
How do I remove WSTSHMRK from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.