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 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.

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

Nothing good can come from speaking to a debt collection company on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Midland Credit Management

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 about you.
  • 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 or imprisoned over unpaid debts.

Remove Midland Credit Management From Your Credit Report Today!

Credit Saint can assist you in disputing Midland Credit Management collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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