Midland Credit Management

Midland Credit Management

 3.8/5 (142 reviews)
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Midland Credit Management

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Overall Rating3.8 out of 5
See all 142 reviews

About Midland Credit Management

Based in San Diego, Midland Credit Management has been helping consumers resolve overdue debts since 1953. It is available in all 50 states and has helped over 7 million consumers. It offers flexible online solutions without charging fees or interest. It specializes in servicing accounts that have fallen behind and been charged off by the lender - giving consumers a second chance at financial stability.

Pros & Cons


  • Available in 50 states
  • No interest or fees


  • Debt collector
  • Can sue for overdue balances

Bottom Line

Midland Credit Management is an online debt collection agency that tries to help consumers resolve their debt obligations.

What is Midland Credit Management?

Midland Credit Management is an online collection agency that helps consumers resolve debts. The company provides consumers with flexible options for paying off their debts and educational resources to help them create a financially stable future.

The company operates in 50 states and has helped over 7 million consumers get out of debt.

How does Midland Credit Management work?

Midland Credit Management may contact you if you have overdue debts or haven’t been meeting your minimum monthly payments. Accounts that are eligible for Midland Credit Management’s services include:

  • Clients who haven’t made a payment on their debts in at least 180 days
  • Clients who are paying less than the creditor requires

In either of these situations, your lender may put your account into collections or sell it to an agency like Midland Credit Management. Midland Credit Management then contacts you and attempts to find a realistic way to resolve your overdue debts.

Is Midland Credit Management legit?

While you can’t apply for Midland Credit Management’s services, its program is helpful if you’re unable to pay past debts or are struggling to meet minimum payment requirements. Visit its website or refer to the information the company sent you for more details.

Midland Credit Management Reviews

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Page 1 Reviews 0 - 5
Verified Reviewer
Original review: May 12, 2023

Very helpful and took time to explain things to me. She had lots of patience and listening to me to explain everything to her. She was very nice and understood my problem. Thank you if I need it to talk to anyone again I would love to talk with her because she just had so much patience patience.

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    Verified Reviewer
    Original review: April 27, 2023

    I needed to work out payment arrangements for accounts that needed to be resolved and they were willing to go beyond their standard offers and come up with a custom plan that fits my financial needs. I am now able to start improving my credit because of their willingness to compromise and meet me half way.

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    Verified Reviewer
    Original review: Feb. 28, 2023

    I am going through a tough time in my life and I got a hold of them for a overdue bill. A mister ** helped me so I could avoid legal action and so I can focus on what I have going on with a lot less stress on me. Thanks so much.

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    Verified Reviewer
    Original review: Nov. 30, 2022

    Peter ** from MCM did a great job on helping me set up a perfect payment plan to pay off my account. I lost my previous job I had back in March 2022, and I only just started at a new job. The job market in my area was awful and couldn't find anything that could support me financially. Finally found said job and they understood my situation and helped me out. I hope that after paying them off, I never have collections again. It is awful for your credit score.

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    Verified Reviewer
    Original review: Oct. 17, 2022

    I discovered that I had missed two payments on my payment plan according to a paper I received in the mail but I could not find it online. I contacted a representative using the Live Chat and she found the problem, provided a very reasonable solution, and my account was back to current in a matter of minutes. Very professional. Answered all my questions and did not rush me off the chat. I am very pleased with this experience and look forward to continuing to work with Midland.

    3 people found this review helpful
    Verified Reviewer
    Original review: May 18, 2023

    They attached a debt that the statute of limitations has run on, making legal action to collect it impossible, but they thought they would attach it to my credit report as a newly opened account, which is ILLEGAL.

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    Verified Reviewer
    Original review: April 30, 2023

    The person I spoke with understood what I was needing help with. I didn't have to wait long for assistance and my problem was resolved. She asked follow up questions to make sure I understood. She was very courteous.

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    Verified Reviewer
    Original review: April 19, 2023

    They changed their number & couldn’t send my poor mother a notice or new number so my mom couldn’t contact 'em for over a month and they ended up charging a hefty penalty & froze their bank account. Said they were “too busy” when asked why they didn’t send any notice on their number change. Terrible company.

    3 people found this review helpful
    Verified Reviewer
    Original review: March 29, 2023

    Well I get something from the court early this year. I don't recognize the debt they're trying to collect or amount. I called them, was a awful experience, they just want money, not willing to listen at all. I'm now dealing with a garnishment from for a debt I don't know about. This company needs to be shut down. I tried to payment arrangement on this debt even but they're not willing cause they think they have the upper hand so will not negotiate. I everyone reports this company so this can be stopped.

    3 people found this review helpful
    Verified Reviewer
    Original review: March 1, 2023

    These guys seem to have a knack for getting things wrong. The company said I had a debt with a company I had never dealt with so I sent them a debt VALIDATION letter. They refused to send proof, good luck guys. SEE YOU IN COURT! Bunch of clowns!

    7 people found this review helpful
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    Midland Credit Management Company Information

    Company Name:
    Midland Credit Management