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FAQs
We’ve developed this handy set of FAQs to help consumers better understand what we do and how we can help.
Frequently Asked Questions
Most Asked Questions
Who is Midland Credit Management (MCM)?
Midland Credit Management helps consumers resolve outstanding account balances that are past-due. Over the years, we have helped millions of consumers achieve their goal of paying off their debt and achieving financial freedom. Start your journey by logging in now. You can also chat live with one of our highly trained Account Managers.
Midland Credit Management services accounts that have been sold to one of the MCM family of companies, including MCM, Midland Funding, LLC, Atlantic Credit & Finance, Asset Acceptance, and more.
If you received a letter from Midland Credit Management, this means a creditor you had an account with has closed your account and sold it to one of our family of companies. You will need to work with MCM, not your original creditor, to resolve your account.
Midland Credit Management empowers consumers by creating payment plans that work for them. We have helped millions of consumers work toward improved financial health.
Who is Midland Funding, LLC?
Midland Funding, LLC is a debt buyer, and an affiliate of Midland Credit Management (MCM). The accounts that Midland Funding purchased are primarily serviced by Midland Credit Management. If you have an account owned by Midland Funding, you can log in to Midland Credit Management’s website to learn more about your account and your repayment options.
Midland Funding owns accounts that were delinquent with the original creditor, and in most cases, the original creditor did not receive payment for six months. Rather than continuing to service these accounts, the original creditor chooses to sell the accounts to companies like Midland Funding. You can learn more about Midland Funding here.
See also “What’s the difference between Midland Funding and Midland Credit Management (MCM)?”
What’s the difference between Midland Funding and Midland Credit Management?
Midland Funding, LLC is a debt purchaser, while Midland Credit Management is both a debt purchaser and servicer. Midland Credit Management services accounts that it owns as well as accounts owned by affiliate companies, like Midland Funding. This is why you may see Midland Funding on your credit report, but Midland Credit Management is contacting you regarding your unpaid debt owned by Midland Funding.
Why am I being contacted by Midland Credit Management and not my original creditor (the company I previously had an account with?)
When a lender doesn’t receive payment on an account for at least 180 days, or if payments are less than the monthly minimum, they may decide to close the account and turn it over to collections. Many lenders sell past-due accounts to companies like Midland Credit Management (MCM). At that point MCM begins reaching out to consumers.
If you received a letter from us, this means a creditor you had an account with has closed your account and sold it to us. You will need to work with MCM, not your original creditor, to resolve your account. MCM is committed to helping consumers resolve their obligations and get back to doing what they love.
Why am I receiving phone calls from a number I don’t recognize?
Midland Credit Management (MCM) communicates with consumers through letters, email, and phone calls. If your account is owned by Midland Funding or MCM and you received a phone call from a number you don’t recognize, MCM may be trying to contact you regarding your account.
Please give us a call at (800) 296-2657 if you have any questions. Our account managers are available:
Mon-Fri: 8am – Midnight ET
Sat-Sun: 8am – 7:30pm ET
Where can I find my Midland Credit Management (MCM) login information?
Look Up Your Account
There are two ways you can sign into your account:
Option 1: Use your Midland Credit Management Account Number. This can be found on all letters and emails and may be called the MCM Account Number. Then verify the last four digits of your social security number.
Option 2: If you cannot find your MCM Account Number, then select “I don’t know my MCM Account Number”. Then enter your last name, date of birth, and the last four digits of your social security number. Note: Your last name may be a former last name if you have changed your name since the account was originated.
If you are having trouble signing into your account, please chat with one of our friendly Account Managers.
Who does Midland Credit Management (MCM) collect for?
Midland Credit Management primarily collects on consumer finance accounts. These accounts may include credit cards, secured and unsecured loans, lease-to-own financing, and other consumer accounts. These accounts may have come from some of the nation’s largest financial institutions. These institutions often sell accounts that are past due to companies like Midland Credit Management, Midland Funding, Atlantic Credit & Finance, and others. When this occurs, Midland Credit Management may service accounts for these companies.
See All FAQs
Consumer Resolution Center
Concerns and Complaints
At Midland Credit Management, we strive to treat all of our consumers with the utmost respect and to comply with all applicable local, state, and federal laws. If you are not satisfied with the way we have treated you, please contact us by any of the methods below. Midland Credit Management’s Chief Compliance Officer is Addison Crawford (RMAi Certified Receivables Professional, number P1908-1325, August 2019).
- Visit our Consumer Resolution Center
- Call 877-420-0039
- Write to
Attention: Chief Compliance Officer
P.O. Box 939069
San Diego, CA 92193
Tips to expedite processing of your request:
- Please provide your Name, MCM Account Number or Original Account Number, the last 4 digits of your SSN, as well as your address and phone number
- Do not send sensitive information such as your full Social Security Number, Checking or debit card number
- Provide as much details about your experience as possible, including the names of those you have spoken with
- If you have previously asked MCM not to call or write you, please state in your letter whether MCM can contact you back for the sole purpose of addressing your concerns. Otherwise, MCM will not be able to contact you to discuss your concerns
General Questions
Call us at 800-296-2657 to speak with an account manager about your MCM account.
Hours of Operation:
Mon-Fri: 8am – Midnight ET
Sat-Sun: 8am – 7:30pm ET
Testimonials
What People Are Saying
We help consumers resolve past-due debts. Hear what some of our consumers say about their experience working with MCM.
Very helpful, organized and attentive.
–D. B.–
She was very professional, very nice, listened to my problem and solved it.
–S. B.–
I don't think I would change anything. My call was answered in a timely manner and the representative was very courteous and he looked into my problem, he spoke to me very nice and I really appreciate that.
–T. S.–
He took the time to, not only tell me about the detail of the account, but he actually listened when I said that I needed to ask a more poignant question.
–J. B.–
The representative really seemed to listen, he was also proactive in his suggestions or solutions.
–J. L.–
They were willing to help me as quickly as possible, and assured me that it would be done and taken care of.
–L. R.–
Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question.
–V. M.–
Knowledgeable and willing to go above and beyond to help me.
–W. S.–
Very accommodating, very compassionate and understanding. [The representative I spoke with] listened to me and tried to help me as best as possible and I really appreciate it. He had outstanding customer service.
–K. F.–
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MCM works with trusted partners to ensure the highest standards of quality and service.
ACA International and its design are trademarks owned by ACA International.
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Detailing our commitment to conduct business ethically and in ways that support our consumers’ financial recovery.
Learn More
I am an expert and enthusiast based assistant. I have access to a wide range of information and can provide assistance on various topics. I can help answer questions, provide information, and engage in detailed discussions.
Regarding the concepts mentioned in the article you provided, here is some information:
Midland Credit Management (MCM)
Midland Credit Management (MCM) is a company that helps consumers resolve outstanding account balances that are past-due. They have assisted millions of consumers in paying off their debts and achieving financial freedom [[1]]. MCM services accounts that have been sold to one of the MCM family of companies, including MCM, Midland Funding, LLC, Atlantic Credit & Finance, Asset Acceptance, and more [[1]].
Midland Funding, LLC
Midland Funding, LLC is a debt buyer and an affiliate of Midland Credit Management (MCM). Midland Funding purchases accounts that were delinquent with the original creditor and in most cases, the original creditor did not receive payment for six months. Instead of continuing to service these accounts, the original creditor chooses to sell them to companies like Midland Funding [[2]].
Difference between Midland Funding and Midland Credit Management
Midland Funding, LLC is a debt purchaser, while Midland Credit Management is both a debt purchaser and servicer. Midland Credit Management services accounts that it owns as well as accounts owned by affiliate companies, like Midland Funding. This is why you may see Midland Funding on your credit report, but Midland Credit Management is contacting you regarding your unpaid debt owned by Midland Funding [[3]].
Contact from Midland Credit Management
If you are being contacted by Midland Credit Management instead of your original creditor, it means that the creditor you had an account with has closed your account and sold it to Midland Credit Management. You will need to work with MCM, not your original creditor, to resolve your account [[4]].
Phone Calls from Midland Credit Management
Midland Credit Management communicates with consumers through letters, email, and phone calls. If your account is owned by Midland Funding or MCM and you receive a phone call from a number you don't recognize, it may be MCM trying to contact you regarding your account [[5]].
Finding Midland Credit Management Login Information
To find your Midland Credit Management (MCM) login information, you can use your MCM Account Number, which can be found on all letters and emails. You will also need to verify the last four digits of your social security number. If you can't find your MCM Account Number, you can select "I don't know my MCM Account Number" and enter your last name, date of birth, and the last four digits of your social security number [[6]].
Midland Credit Management Collections
Midland Credit Management primarily collects on consumer finance accounts, including credit cards, secured and unsecured loans, lease-to-own financing, and other consumer accounts. These accounts may have come from some of the nation's largest financial institutions. When these institutions sell past-due accounts, companies like Midland Credit Management may service the accounts [[7]].
Consumer Resolution Center
Midland Credit Management has a Consumer Resolution Center to address concerns and complaints. If you are not satisfied with the way they have treated you, you can contact them through various methods, including visiting their Consumer Resolution Center, calling them, or writing to their Chief Compliance Officer [[8]].
I hope this information helps! Let me know if you have any further questions.
