Midland Credit Management

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. Midland was founded in 1953.

You may see Midland 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

Midland Credit Management Collections

Collections can hurt your credit score and remain on your credit report for up to 7 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 have it removed before 7 years and you may not even have to pay it.

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

Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.

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, judgments, tax liens, and bankruptcies.

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

Midland Credit Management, Inc. Information


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

4 Ways to Remove Midland Credit Management from Your Credit Report

When you have a negative entry listed on your credit report from MCM, there are a few different ways you can deal with it. Try these four tips for removal.

Step 1: Communicate Only in Writing

Midland Credit Management is known for its quasi-unethical debt collection practices. That includes breaking promises made over the phone to consumers. They do this because it’s difficult for you to prove what was said during your conversation. To avoid this, tell MCM that you only want to communicate via written communication.

You have the right to do this under the Fair Credit Reporting Act, and you’ll want to send your request in writing as quickly as possible. They should start sending everything in the mail, otherwise, you can report them for unfair practices.

Step 2: Get Your Debt Validated

Next, send a debt validation letter. This is a formal request that can be made within 30 days of first hearing from MCM. It’s their responsibility to prove that the debt is yours and that all of the account details are accurate.

Because MCM buys debt from other companies, it’s quite possible that their records are inaccurate or incomplete. If they do send you some proof of the debt, make sure all the details are accurate. For example, if any dates are wrong or previous payments aren’t listed, then you can ask them to remove the incorrect entry from your credit report.

Step 3: Settle for Removal

If Midland Credit Management does happen to validate your debt, you have the option to settle the amount you owe. This means you can pay less than what you owe in exchange for having the debt settled and removed from your credit report.

It’s very important that you get the deal in writing, though. Otherwise, you risk the collection agency going back on their word. Once you have a written agreement on how you want the settlement handled, you can make your payment.

Step 4: Get Help from the Pros

Negotiating with a debt collector and the credit bureaus can be a tricky, time-consuming process. Avoid the headaches and potentially missing key details in an agreement by outsourcing the work to a professional credit repair firm.

They understand the law and know exactly what MCM can and can’t do. They also know how to navigate the system to maximize your chances of getting those negative items removed. Plus, it can save you a ton of time and often yield better results than if you went at it alone.

There are limits to what a debt collector can and cannot do. Just because you owe money doesn’t mean you cease to have any rights. Your rights, according to the FDCPA, are:

  1. They cannot collect more money than you owe.
  2. They cannot call you repeatedly all day long, early in the morning, or late at night.
  3. They cannot speak intimidatingly or abusively.
  4. They cannot inform other people of your debt if you are over 18 (with the exception of your spouse if you’re married).
  5. They cannot ignore your debt validation request.

Recognize any laws that have been broken?

writing a letter

Should I contact or pay Midland Credit Management?

Nothing good can come from contacting a collection agency. And making payments on the debt will reset the clock. Not only will it not help your credit, but it could actually make it worse.

The best way to go about handling this is to contact a professional credit repair service. They have deleted millions of negative items from companies like Midland Credit Management for millions of clients nationwide.

And they can 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 debt and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with MCM 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.

Midland Credit Management, Inc. Complaints

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

Can Midland Credit Management collections be removed from my credit report?

Lexington Law specializes in disputing MCM collection accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.

Midland Credit Management Collections Removed from Credit Report

Midland removed from TransUnion

Get Your Collections Removed Today!

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

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