How ConsumerAffairs uses cookies

This website utilizes technologies such as cookies to enable essential site functionality, as well as for analytics, personalization, and targeted advertising. To learn more, view the following link:

Midland Credit Management Reviews

Our editorial standards

  • Our editorial team reviews and fact-checks all content before it’s published.
  • We rely on expert input and trusted sources to verify our articles.
  • All articles published must meet our editorial standards and independence policy.

Our review standards

  • Our moderation team evaluates reviews to make sure they meet our guidelines.
  • We require contact information to verify reviews come from real customers.
  • Financial relationships do not influence whether we publish a consumer review.
+1 more

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

Midland Credit Management Reviews

Filter by Rating

  • (434)
  • (31)
  • (10)
  • (7)
  • (235)

Popular Mentions

    Our review standards

    • Our moderation team evaluates reviews to make sure they meet our guidelines.
    • We require contact information to verify reviews come from real customers.
    • Financial relationships do not influence whether we publish a consumer review.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    Our review standards

    • Our moderation team evaluates reviews to make sure they meet our guidelines.
    • We require contact information to verify reviews come from real customers.
    • Financial relationships do not influence whether we publish a consumer review.
    Page 2 Reviews 35 - 75
    Profile pic of the author.
    Punctuality & Speed

    Reviewed Sept. 10, 2026

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

    Thanks for your vote!
    Staff

    Reviewed Sept. 10, 2026

    Hayley was very helpful to me and I appreciate her help tremendously!

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed Sept. 9, 2026

    Customer service was excellent in resolving any issues that I needed addressed.

    Thanks for your vote!
    Profile pic of the author.
    Staff

    Reviewed Sept. 8, 2026

    Representative was awesome, compassionate and extremely helpful.

    Thanks for your vote!
    Profile pic of the author.
    Staff

    Reviewed Sept. 8, 2026

    Colton **, was amazing; he really understood my situation and helped me resolved my situation by helping me get a better deal and paying off my debt. Thank you!!!

    Thanks for your vote!
    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 5, 2026

    Edward ** was super efficient and helpful. He reassured me that he would look into an account for me and help figure out what is wrong. He was quick to respond and pleasant to chat with. He is great at his job for sure!

    Thanks for your vote!
    StaffBilling

    Reviewed Sept. 5, 2026

    Bob helped me to set up a payment plan that worked great for me! Made it very simple and easy.

    Thanks for your vote!
    Profile pic of the author.
    CoverageMaintenanceStaff

    Reviewed Sept. 5, 2026

    Charlie ** was very patient and helpful; he helped me to fix my account. Thank you.

    Thanks for your vote!

    Reviewed Sept. 4, 2026

    Did not have any problems getting my account settled.

    Thanks for your vote!
    Profile pic of the author.
    Customer ServiceStaffBilling

    Reviewed Sept. 3, 2026

    Went through a divorce and obtained a ton of debt from it. They were super helpful and flexible with payment plan. Very friendly on the phone and pleasant in chat as well. Highly recommend!

    Thanks for your vote!
    Staff

    Reviewed Sept. 3, 2026

    Bella T. was amazing! She gave me the best experience and did everything she could to help me out with the hard time I am facing with money.

    Thanks for your vote!
    Profile pic of the author.
    Staff

    Reviewed Sept. 2, 2026

    Edward was very helpful and understanding, thank you.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed Aug. 31, 2026

    Midland Credit Management is the best! They are so patient and work well with finding solutions that truly help the situation. Great customer service!

    Thanks for your vote!
    Staff

    Reviewed Aug. 27, 2026

    They have been willing to help me through repaying my debt and have been kind and courteous throughout the whole process.

    Thanks for your vote!

    Reviewed Aug. 26, 2026

    I'm super happy with the best experience, I never have an experience like this, this was my best best experience for sure.

    Thanks for your vote!
    Profile pic of the author.
    StaffBilling

    Reviewed Aug. 25, 2026

    Agent was very kind and helpful! I woke up to a fraud alert from my bank and was panicking because of an upcoming payment. Agent assured me that everything was going to be ok!

    Thanks for your vote!
    Profile pic of the author.
    Staff

    Reviewed Aug. 21, 2026

    Very reasonable and understanding! I can pay off my debt and still live life the way I want!

    Thanks for your vote!
    Staff

    Reviewed Aug. 20, 2026

    Bella was very helpful and understanding! It was easy to work with her.

    Thanks for your vote!
    Profile pic of the author.
    Punctuality & SpeedStaffBilling

    Reviewed Aug. 20, 2026

    I owed a debt I had forgotten about after my divorce and losing two brothers in the span of 6 months. In a nutshell, life happens. MCM worked with me to negotiate a lesser amount. As a single mom of 3 kids, I really appreciated that, as well as they were kind and quick to work with. Payment is easy to make as well.

    Thanks for your vote!
    Staff

    Reviewed Aug. 14, 2026

    Victor helped me resolve an issue today and he was communicative and informative.

    Thanks for your vote!
    Refunds & PayoutsStaffBillingRates

    Reviewed Aug. 13, 2026

    Overall they were pushy however they eventually accept the payment plan that I needed. They weren't willing to reduce the amount at all, which is interesting because I've dealt with another company previously that was amazing. They buy these accounts for pennies on the dollar. I get wanting to obviously make some money back but they're making back definitely thousands more than what they spent.

    Thanks for your vote!
    Profile pic of the author.
    StaffBilling

    Reviewed Aug. 12, 2026

    My rep was Samuel **. He was very understanding and worked out a payment plan that I could afford. Great service.

    Thanks for your vote!
    Loan Process

    Reviewed Aug. 8, 2026

    Although the chat person I chatted with was great and able to answer my questions, I can't get over the fact that I've been paying on a $10,000 loan for over 14 years. Geez, how much have I paid so far??

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed Aug. 4, 2026

    Customer service is wonderful! Every time I have an issue with my account, they are there to help! Never any problems & always willing to help!

    Thanks for your vote!
    Profile pic of the author.
    Customer ServicePunctuality & SpeedBilling

    Reviewed Aug. 3, 2026

    The customer service is quick and efficient. I had no issues rescheduling my payments to fit with my current situation. Thank you Ayden!

    Thanks for your vote!
    Staff

    Reviewed July 31, 2026

    I was blessed to work with Mark with one of my outstanding accounts and he took the time to help me get my settlement lower than the online offer. Debt collection is not an easy job and he made sure I was treated respectfully. Thanks again!

    Thanks for your vote!
    Punctuality & SpeedOnline & AppStaffEase of Use

    Reviewed July 28, 2026

    Midland has been patient and easy to work with. Website is easy to navigate; chat services are surprisingly quick and painless. Their patience with my busy schedule working 7 days a week I am thankful for.

    Thanks for your vote!
    Customer ServiceStaffBilling

    Reviewed July 28, 2026

    My experience was positive, Bob was patient and understanding. Bob answered all my questions and put my worries and stress to rest. I learned that I can not make additional payments online, I'd have to call to make additional payments, which is fine. So my issue was resolved and all is well. Cheers!

    P

    Thanks for your vote!
    Profile pic of the author.
    Punctuality & SpeedStaff

    Reviewed July 27, 2026

    Helpful, understanding and everything was simple and quick. They were also great at explaining the process of everything.

    Thanks for your vote!
    Billing

    Reviewed July 27, 2026

    They will work with you if you are struggling to make payments!

    Thanks for your vote!
    Profile pic of the author.
    Customer ServiceStaff

    Reviewed July 22, 2026

    Did the chat with Bob **. Excellent customer service. Got everything handled nice and easy. Much appreciated.

    Thanks for your vote!
    Profile pic of the author.
    Punctuality & SpeedBilling

    Reviewed July 20, 2026

    Wanting to resolve my account, got in touch with Samuel walked me to the process, setting up a payment program quick and easy. Hopefully the rest of his experience will be the same.

    Thanks for your vote!
    Profile pic of the author.
    Staff

    Reviewed July 20, 2026

    It was a good experience. Thanks Gary. They were very understanding of my situation.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed July 20, 2026

    Used the CHAT option for help - Wyatt was very helpful, gave me options and answered all my questions.

    Thanks for your vote!
    Profile pic of the author.
    Punctuality & SpeedStaff

    Reviewed July 20, 2026

    Kind, curt, fast, easy to get these past dues paid and on a schedule that's right for you.

    Thanks for your vote!
    StaffBilling

    Reviewed July 18, 2026

    Bob ** showed me kindness and compassion and helped me set up a payment plan specific to my needs. I really appreciate his help. He was not like a normal debt collector, he really wanted to help me! I was well taken care of and can resolve my debt with peace of mind.

    Thanks for your vote!
    StaffBilling

    Reviewed July 13, 2026

    I used chat support to help me set up payment plans for my accounts. It was a smooth process and the staff was extremely helping and understanding. I had a great experience handling a not-so-great situation. I'm so glad I finally handled this with their help.

    Thanks for your vote!
    Profile pic of the author.
    Staff

    Reviewed July 12, 2026

    I just received a collection notice from Midland Credit Management. It is an attempt to collect over $6k for a recently acquired American Express account. I do not have nor have I every had an American Express card. I checked one of the 3 major credit reporting agencies and NO American Express account appears anywhere on the report. After reading some peoples experiences with this company, I understand it is a legitimate collection company. But their information is incorrect. Now, do I ignore this like many others in this same situation have done, or do I contact them to dispute?

    Thanks for your vote!
    Profile pic of the author.
    StaffBilling

    Reviewed July 9, 2026

    They assisted me in completing my payments in my financial accounts and helped me get back on track

    Thanks for your vote!
    Punctuality & SpeedStaffBilling

    Reviewed July 6, 2026

    I know collection agencies don't typically get positive reviews, so I wanted to take the time to say thank you to Samuel who helped me today. I offered a final payment option that I knew I could commit to and asked if it was possible. There was no back and forth, no bullying, nothing negative at all. He helped me set up the final payment and set up payments on another debt. He was quick, friendly and most of all, helpful without judgment. Thank you so much for helping me clear up these accounts and for being so professional and courteous the whole time.

    Thanks for your vote!
    Loading more reviews...

    Midland Credit Management Company Information

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