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.

Pros
  • Available in 50 states
  • No interest or fees
Cons
  • Debt collector
  • Can sue for overdue balances

Midland Credit Management Reviews

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    Page 2 Reviews 5 - 35
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    StaffBilling

    Reviewed May 17, 2026

    Great help and worked with me. Was able to agree with the monthly payments that I could afford.

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    Punctuality & Speed

    Reviewed May 17, 2026

    Gary was easy to deal with 10/10. Very prompt and assisted with any questions I had. Cody

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    StaffBilling

    Reviewed May 10, 2026

    Bob ** helped me move my payments and around and actually understood and worked with me. Solid dude.

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    Customer ServicePunctuality & Speed

    Reviewed May 3, 2026

    Easy to work with, great customer service, fast response, and they work with you.

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    Staff

    Reviewed May 2, 2026

    Perfect service! Very helpful and kind. These guys are great!!! 5 stars +

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    StaffBilling

    Reviewed April 28, 2026

    Darwin was great. He understood exactly how to assist and help me make my payment. I appreciate Midland being so flexible and helping me get this paid off.

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    Punctuality & SpeedBilling

    Reviewed April 27, 2026

    Overall, in a situation where things occur and you have no money at the time of payment. They work really well with you to set up later times, which put my mind at ease. Bob was great.

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    StaffBilling

    Reviewed April 25, 2026

    Very easy to reestablish payment plan. The Rep was extremely friendly and helpful. Thank you Mark for helping me with my account.

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    Staff

    Reviewed April 23, 2026

    Efficient, easy, resourceful, & helpful, all qualities their staff has, and all of them have been easy to talk to because they are kind.

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    Staff

    Reviewed April 21, 2026

    This company has been very helpful in navigating debt repayment. I have a very difficult financial situation due to being a full time student with 2 young children. They worked with me in order to accommodate me and my family’s needs. I am very grateful to them.

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    Punctuality & SpeedStaff

    Reviewed April 17, 2026

    Not much help received as I have to wait next business day.

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    Staff

    Reviewed April 16, 2026

    Midlands Credit worked with me and help me set up a plan that works for me.

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    Billing

    Reviewed April 16, 2026

    I had a family emergency and needed to change my payment date. The person I talked with changed it for me, no questions asked.

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    Customer ServiceStaff

    Reviewed April 13, 2026

    Rude, unprofessional and they say they can see everything but they can't.

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    Customer ServiceStaff

    Reviewed April 10, 2026

    GREAT customer service, very helpful and smooth process!

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    Punctuality & SpeedStaff

    Reviewed March 29, 2026

    Quick and prompt correct help. They understood. No argument or bad comments. Just simply asked how I got so far behind. It was in 2020, I lost my job from covid and am a single mom.

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    Staff

    Reviewed March 29, 2026

    They were nice, and very understanding when trying to work with you around any unforeseen circumstances that may impact your due date, or ability to pay.

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    Punctuality & SpeedStaffEase of Use

    Reviewed March 29, 2026

    Fast & easy to use. The chat answered questions quickly & very helpful.

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    StaffBilling

    Reviewed March 27, 2026

    Gary L. was extremely helpful and decreased the anxiety I had when reviewing my payment options.

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    Customer ServiceContract & TermsStaff

    Reviewed March 23, 2026

    Excellent customer service! Pay off 2 accounts in full, excellent communication and very professional. He did answer all my questions and explain step by step and clarify what was my agreement. Great experience!

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    Staff

    Reviewed March 20, 2026

    I appreciate the assistance I received from Victor K. Very professional, understanding and efficient. I would give a thousand Stars. The fact that he used "WE" instead of "I", made me realize I was working with a Team Worker. Thanks Victor.

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    Contract & TermsPunctuality & SpeedRefunds & PayoutsMaintenanceStaffTimeliness

    Reviewed March 20, 2026

    They are on you big time when you owe them money. In the process of buying a home and paid my account off in full and they can't provide a paid in full letter and are telling me that I'm going to have to wait an extended period of time before I can get it which is going to further delay my closing. This is one of the worst collection agencies I have ever had to deal with, all of the other bad debt I have had to take care of during the repair of my credit have been able to provide something the same day I settled the account.

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    Billing

    Reviewed March 13, 2026

    We all have dreams and goals when we grow up as children. The people who work for MCM have accepted the fact that they will never make the world a better place. They will harass the living hell out of a poor family. A family who couldn't afford to make a credit card payment because their father got t-boned on the way to work and does not qualify for workers comp. They prey on hungry children whos parents struggle to afford food to feed them. They won't stop until they sue you over $1200 and take money that you need for rent. Scum of the earth. Really not sure how they can sleep at night.

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    Billing

    Reviewed March 12, 2026

    When I was first put with Midland Credit Management they told me that they don't report to the bureaus at all. I've had a payment plan with them for over a year that I have made my payment every two weeks on time because it auto drafts out of my account, And they have been reporting to the credit bureaus that I have missed every single payment that I have ever made to them and that is incorrect and they refuse to change it.

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    Customer ServicePunctuality & SpeedBilling

    Reviewed March 11, 2026

    While I dislike being in this situation, I really appreciate how MCM has handled my account. They treat you like a human, and their customer service is great. Recently I spoke to Kiera to make a change to my payment, and she handled it quickly and efficiently. Very happy so far.

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    Punctuality & SpeedStaffBillingTransparency

    Reviewed March 10, 2026

    Everyone always fast, knowledgeable and nice, always helpful and understanding my needs to update my account if need be, the payment plan easy and adjusting it as well if and when needed. What a great company to work with especially under the debt management scenario.

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    Staff

    Reviewed March 6, 2026

    An agent was immediately available. The gentleman who helped me was very professional. When I asked a question, he answered it. If there was something he was unsure of, he invested the information and got right back with me.

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    Staff

    Reviewed Feb. 27, 2026

    Bruce ** was a very helpful employee. He was very patient with me as I have no dispute with Midland, sadly I know I had paid this off with Capital One as I had not qualified for a platinum card so I was very confused but thankfully Midland has been very cooperative and friendly about paying this off. Thank you!

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    Customer ServiceStaff

    Reviewed Feb. 24, 2026

    Midland has been wonderful to work with and turned a scary credit situation into something very manageable. The representatives I've spoken with have all been very helpful and are willing to meet you where you are. Great customer service!

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    Staff

    Reviewed Feb. 18, 2026

    The rep did a fantastic job! He needs to get a bonus! He was very patient and set up a custom plan and explained how everything will work, his patience with me (who had two strokes back-to-back in less than a year) made all the difference for me. Thank you again Bruce **. Your company has a diamond in you!

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    Midland Credit Management Company Information

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