How to Remove Midland Credit Management From Your Credit Report

Is Midland Credit Management hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Midland Credit Management?

Midland Credit Management, Inc. (MCM), aka Midland Funding, LLC, (both subsidiaries of Encore Capital Group, Inc.), is a debt collection agency based in San Diego, California.

You may see Midland Credit Management listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired someone to collect that money.

They may appear on your credit report as any of the following entries:

  • mcm credit
  • mcm midland credit management
  • midland collections
  • midland credit
  • midland credit mgmt inc
  • midland fund
  • midland funding
  • midland management

Who does Midland Credit Management collect for?

Midland Credit Management is a debt buyer. They purchase old debts from many types of companies including credit card companies, dentists, financial companies, healthcare professionals, retail outlets, and more.

Is Midland Credit Management legit or scam?

Midland Credit Management is a legitimate company. Midland Credit Management was founded in 1953. But, while they claim to help consumers resolve past-due debts, this debt collection company is known more for harassing phone calls and questionable debt collection practices.

How can I remove Midland Credit Management from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

This may affect your ability to get credit in the future, such as an auto loan, credit card, or mortgage. However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

Midland Credit Management, Inc. (MCM) Information

Address:

Midland Credit Management, Inc.
350 Camino De La Reina #100
San Diego, CA 92108

Phone number: (858) 309-6970, (800) 825-8131, (858) 309-6970, or (858) 560-2600

Should I contact or pay Midland Credit Management?

Nothing good can come from speaking to a debt collection company on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The best way to deal with Midland Credit Management is to work with a credit repair professional. They delete millions of negative items every year from companies like Midland Credit Management for millions of clients nationwide.

And they may be able to help you too.

Will Midland Credit Management sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the Midland Credit Management debt and possibly remove it from your credit report. It’s also quite possible that you may never hear from or have to deal with Midland Credit Management again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for debt collection companies to threaten to garnish your wages.

It is also illegal for Midland Credit Management to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

Is Midland Credit Management hurting my credit score?

The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.

Collection agencies often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.

When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.

Midland Credit Management Reviews & Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection company, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Midland Credit Management does too.

Your Rights When Dealing with Midland Credit Management

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Midland Credit Management, Inc. to report inaccurate or incomplete information on your credit report.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Midland Credit Management, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Midland Credit Management must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Midland Credit Management cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Midland Credit Management From Your Credit Report Today!

Lexington Law specializes in disputing Midland Credit Management collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

Midland Credit Management Collections Removed From Credit Report

Midland removed from TransUnion

If you’re looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.