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 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. 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.)
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Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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
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. 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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Midland Credit Management debt and possibly remove it from your credit report. It’s also possible that you never hear from or have to deal with Midland Credit Management again.
Wage Garnishment
Some states allow wage garnishment, while others do not. 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?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Collection agencies often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact 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). 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 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 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!
Lexington Law can assist you in disputing Midland Credit Management collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
Midland Credit Management Collections Removed From Credit Report

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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
