WESTCORP
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K


CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of Report (date of earliest event reported): October 27, 2004


Westcorp

(Exact Name of Registrant as Specified in its Charter)


         
California   001-09910   51-0208535
(State or Other Jurisdiction of
Incorporation or Organization)
  (Commission File Number)   (I.R.S. Employer
Identification No.)

23 Pasteur, Irvine, California 92618-3804

(Address of Principal Executive Offices) (Zip Code)

(949) 727-1000
(Registrant’s telephone number,
including area code)

(Former Name or Former Address, if Changed Since Last Report)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

         
  o   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
  o   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
  o   Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
  o   Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 


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Item 7.01 Regulation FD Disclosure
Item 9.01 Financial Statements and Exhibits
SIGNATURE
Index to Exhibits
EXHIBIT 99.1


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Item 7.01 Regulation FD Disclosure.

     On October 27, 2004, Westcorp and WFS Financial Inc held a joint conference call to discuss financial results for the period ended September 30, 2004, and other financial information. An excerpt from the conference call is furnished hereto as Exhibit 99.1 and incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

             
 
    99.1     Excerpt from conference call held on October 27, 2004

 


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SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

             
    WESTCORP,
    a California corporation
 
           
Date: October 28, 2004
  By:   /s/  Lee A. Whatcott     
      Lee A. Whatcott      
      Executive Vice President,      
      Chief Financial Officer and      
      Chief Operations Officer      

 


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Index to Exhibits

     
Exhibit
  Description
99.1
  Excerpt from conference call held on October 27, 2004