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Midland Credit Management Reviews

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About Midland Credit Management

Based in San Diego, Midland Credit Management is a debt collection agency that has operated in the industry since 1953. It is available in all 50 states and has served over 7 million consumers. It offers flexible online solutions without charging interest. Midland Credit Management specializes in servicing accounts that have fallen behind and been charged off by the lender, giving consumers a second chance at financial stability.

Visit www.midlandcredit.com
Pros
  • Available in 50 states
  • No interest or fees
Cons
  • Debt collector
  • Can sue for overdue balances

What is Midland Credit Management?

Midland Credit Management is a large online collection agency that buys and services past due debts from lenders. The company then 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?

Midland Credit Management is a legitimate debt collection company offering payment services. While you can’t apply for Midland Credit Management’s plans, its program could be helpful if you’re unable to pay past debts or are struggling to meet minimum payment requirements.

Getting out of debt can feel stressful — resolving your debt with a payment plan from Midland Credit Management could offer a more flexible option. Visit its website or refer to the information the company sent you for more details.

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Midland Credit Management Reviews

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    Page 1 Reviews 0 - 35
    PriceStaffBilling

    Reviewed Sept. 19, 2026

    I was not very keen on how I was initially contacted by MCM when I went into debt. It was a bit aggressive and intimidating. I ended up getting served. I was able to settle an affordable amount with the lawyer representing them. Today, I had some trouble with paying that set amount online as a way for me to pay it was no longer available for the agreed amount. Which I was able to pay on the first month after the settlement. I spoke with Bob G. from MCM via chat, who was very kind, helpful, and empathetic. He understood my plight and while informed me that the previous payment method was no longer available, he could work with me to create a payment plan offer that matched what I'd agreed on with the lawyer. He stayed with me on the chat, while I went through the process.

    It didn't work initially, so he had me try again with a different link and that went through. There is also no way to download a transcript, apparently. But Bob G. was patient and stayed in the chat so I could screenshot the info for future reference. For him and this experience specifically, I would give 5 stars. I am only giving 4 here because, again the initial contact from MCM was overwhelming and not a positive experience. That being said, they do have wonderful people at MCM like Bob G, who make the overall process a very good experience.

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    Contract & TermsStaff

    Reviewed Sept. 12, 2026

    She was professional, patient, and actually took the time to work with me on my situation. She explained my options clearly, answered my questions, and was able to get me a better settlement offer that worked within my budget. I especially appreciated her willingness to make sure I understood the agreement and what would happen after the account was paid. Overall, one of the better experiences I've had dealing with a collection account. Thank you, Bella, for your help and professionalism!

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      StaffBilling

      Reviewed Aug. 17, 2026

      After my mom died I ended up with a mountain of debt being that I beared the sole financial responsibility of her funeral. When contacting Midland I really didn’t know what to expect and I was pleasantly surprised at how helpful Tristan ** was in assisting me with a payment option I could manage and keep. For the first time in a long time I feel like I’m heading in the right direction. Thank you Tristan for your kind words and affirmations.

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      Customer ServiceStaff

      Reviewed Aug. 15, 2026

      I appreciate this willingness to work with people and help out as much as they could. My online chat person was helpful and understood my situation. We were able to settle on an amount we could both be happy with. Unfortunately paying debt isn’t fun but i think midland credit was fair and understanding of my situation. That goes a long ways in making the experience much better.

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      Staff

      Reviewed Aug. 10, 2026

      I wanted to say Thank you to "Charles" for helping me come up with a plan for a debt that had been left unpaid after my divorce and the current loss of my job. He was very understanding to my situation and offered and got approval for a plan that could work for me. I had put this off for so long due to not knowing how I would settle it.. Thank you Charles for your patience and understanding. He was able to come up with a plan in my favor.

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      Staff

      Reviewed Oct. 8, 2026

      Edward ** was very professional and was willing to work with me to get my debt paid off. Although it was not as low as I wanted I appreciate him staying on line with me to settle this monkey off my back.

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      Staff

      Reviewed Oct. 8, 2026

      This is the best debt company and they understand your situation.

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      Reviewed Oct. 8, 2026

      I've been carrying this debt for some time. I reached out to Midland and accepted an offer to settle this debt in full. Very easy to work with.

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      Staff

      Reviewed Oct. 7, 2026

      My rep was very helpful easy to communicate with and questions answered. The transaction process was easy and simple to take care of. Thank you.

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      Punctuality & SpeedStaff

      Reviewed Oct. 6, 2026

      Jackson H. was great, prompt and helpful. It wasn’t long or exhausting process to create a new plan.

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      Staff

      Reviewed Oct. 6, 2026

      Gary ** was so patient and helpful. I have had my share of other reps that left a sour taste in my mouth; however, Gary went above and beyond to help me get the information I need.

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      Punctuality & SpeedStaff

      Reviewed Oct. 6, 2026

      Bob ** was helpful and kind! I was able to get right down to the answer I needed. No wait time at all.

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      Customer ServicePunctuality & SpeedTransparency

      Reviewed Oct. 5, 2026

      Thanks Joe! Very transparent & quick with responses.

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      Customer ServiceStaffBilling

      Reviewed Oct. 5, 2026

      Great customer service, and help with reestablishing payments.

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      Staff

      Reviewed Oct. 4, 2026

      Albert was very helpful to me today! He helped sort through my issue!

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      Customer ServiceStaff

      Reviewed Oct. 2, 2026

      Tremendous customer service. The agent Bob ** resolved all my issues and concerns in no time at all! Thank you!

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      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed Oct. 2, 2026

      My payments are always on time. But I have been receiving phone calls from MCM..I was wondering why. Bob ** was very helpful. He told that my payment plan is on track. He has disabled that particular phone number. I really appreciate his prompt and friendly way of addressing my concern. Thank you Bob ** and MCM. Your customer service is awesome.

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      Punctuality & SpeedStaff

      Reviewed Oct. 1, 2026

      Albert ** was great in assisting me. He was quick, patient, and understanding.

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      StaffBilling

      Reviewed Sept. 30, 2026

      The representative was very kind and understanding of my situation and helped me find a payment plan that worked for me.

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      Staff

      Reviewed Sept. 29, 2026

      Gary was extremely helpful, got us squared away, and was understanding.

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      Reviewed Sept. 29, 2026

      I owed 1 amount, let them know what I could afford & they worked with me & settled my account!

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      Timeliness

      Reviewed Sept. 28, 2026

      They were willing to work with me of an offer and I was able to pay the same day. Thank you, Samuel.

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      StaffBilling

      Reviewed Sept. 24, 2026

      I was in need of assistance in making some adjustments to my payment plans. The representative was able to provide exactly what I needed with relative ease. I truly appreciate the assistance!

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      Punctuality & SpeedStaffBillingTransparency

      Reviewed Sept. 24, 2026

      Bella ** from MCM was great. She helped me update my payment date with no issues. Quick and easy. Thank you!

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      Punctuality & SpeedStaff

      Reviewed Sept. 24, 2026

      Bella was very professional and quick to answer! I am very satisfied with my experience!

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      Reviewed Sept. 24, 2026

      I have always had a positive experience with their reps. Nolan D is great!

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      Reviewed Sept. 23, 2026

      Darwin ** was supportive, receptive, and assisted with my problem like family!

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      Punctuality & SpeedStaffBilling

      Reviewed Sept. 22, 2026

      I needed help with skipping a payment and resuming a month later. Bob ** was very helpful and nice. I am grateful for his kindness.

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      Staff

      Reviewed Sept. 22, 2026

      Very kind and helpful staff. Thank you Bob ** for all you do! ❤️

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      Staff

      Reviewed Sept. 22, 2026

      The agent Bob was awesome. He worked with me on resolving and paying off my balance and now the account will be cleared from my credit report. MCM is a very understanding company and they work with you to get everything taken care of.

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      Customer ServiceStaffRates

      Reviewed Sept. 22, 2026

      Nolan ** was very helpful and patient. He walked me through the best option for me. Understood my situation and was overall looking out for my best interest. There is never good things to say about customer service, but he gave it a whole new meaning.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 22, 2026

      Very helpful customer service and quick to respond.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 20, 2026

      Live chat was super helpful. Helen helped me out and was excellent! Fast, easy and she did so with ease. Thank you for having great staff in you customer service!!

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      Refunds & PayoutsStaff

      Reviewed Sept. 18, 2026

      Hayley was very kind and helpful. Had no idea what to expect after coming into financial hardship and being unable to pay for a few months but she was very kind and understanding of my situation. It helped immensely and I'm very pleased with the interaction I had.

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      Customer ServiceStaff

      Reviewed Sept. 17, 2026

      I highly recommend Midland Credit Management. I have never had any problems with them. When I've had to contact them customer service has always been friendly and helpful. They always resolved my problem.

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      Contract & TermsPunctuality & SpeedBilling

      Reviewed Sept. 17, 2026

      Pretty quick and painless setting up a payment arrangement via the chat. Colton was quick and easy to deal with. For debt collector they're not so bad!

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      Customer ServiceStaff

      Reviewed Sept. 15, 2026

      The experience with my agent was A1.. Very pleased with the customer service.

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      Staff

      Reviewed Sept. 14, 2026

      Hayley ** was an excellent concierge. She understood my needs and worked with me to achieve the best result and resolve my account. Thank you again for your patience, understanding, and kindness.

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      Staff

      Reviewed Sept. 12, 2026

      Very good at working with you and making changes that need to be done whether to change amounts or the dates due. I am pleased with this company. The staff are always pleasant and happy to help in any way they can.

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      Punctuality & Speed

      Reviewed Sept. 10, 2026

      Great Service and awesome company. Had a great experience and appreciate their time.

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      Midland Credit Management Company Information

      Company Name:
      Midland Credit Management
      Website:
      www.midlandcredit.com