Midland Credit Management


Is Midland Credit Management hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 didn’t pay a bill.

Is Midland Credit Management on my credit report?

Midland Credit Management 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, as a debt buyer, purchases old or charged-off debts from a wide array of companies. These companies typically include credit card companies, healthcare professionals such as doctors and dentists, financial companies like banks and other lending institutions, retail outlets, and many more.

Is Midland Credit Management legit or a scam?

Midland Credit Management is a legitimate company. They’ve been in business since 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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Midland Credit Management, Inc. (MCM) Information


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?

Before contacting a debt collection company, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Midland Credit Management is to work with a credit repair professional. They help remove millions of negative items every year from companies like Midland Credit Management on behalf of their clients.

Will Midland Credit Management sue me or garnish my wages?

Midland Credit Management can legally sue you for the outstanding debt. If they win the lawsuit and receive a judgment against you, they might have the option to garnish your wages depending on the laws in your state.

However, suing a debtor is typically a last resort for most debt collection companies. Lawsuits are expensive and time-consuming, so they’re usually only pursued if the debt is significant and the debtor has the means to pay it.

Midland Credit Management Reviews & Complaints

Many collection agencies have numerous complaints filed 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). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Midland Credit Management

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Midland Credit Management, Inc. to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Midland Credit Management, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Midland Credit Management must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Midland Credit Management cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Midland Credit Management From Your Credit Report Today!

Credit Saint can help you dispute Midland Credit Management collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

Midland Credit Management Collections Removed From Credit Report

Midland removed from TransUnion

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.