Get Started

Midland Credit Management can help you resolve past-due debt. Learn what you can do next with our simple payment plan setup. Log in below.

If you received a phone call, letter, or email from us, or have seen Midland Credit Management (MCM) on your credit report, you may be wondering who we are, why you heard from us, and what to do next. MCM has been helping consumers resolve past-due debts for over 65 years. We’ve worked with millions of consumers over the years with the goal of helping people achieve financial freedom.

Why We Contacted You

If we recently contacted you, you may have an unpaid balance with a former creditor or financial institution that we’ve partnered with. We are reaching out to help you to resolve your past-due debt. We’re committed to creating flexible, affordable, and convenient payment options that help you on your path to financial recovery.

What if I Don’t Recognize this Debt?

Our expert account managers can give you information about your account. If you don’t recognize this debt, please let us know immediately at 877-382-6063. We’ll work with you to verify all relevant information.

If we determine MCM or one of our partner companies is responsible for servicing your account, we’ll collaborate with you to create a payment plan. Together, we’ll create a solution that helps you reach financial freedom as quickly and easily as possible.

What to Do Next

Get started by using our account lookup tool to see if you have an MCM account. We offer a variety of flexible options for resolving your debt. We’ll work with you to create a payment plan that makes sense for you and your financial situation.

Benefits of Resolving Your Account

Reaching your goals can be difficult if you have past-due debt. Learn how resolving your MCM account can help you on your path to financial recovery.

Take the First Step

You have multiple options to choose from for resolving your account – options that fit your unique needs. Learn how to get started resolving your past-due debt with MCM.

Our Consumer Bill of Rights

MCM’s industry-first Consumer Bill of Rights details ethical standards that guide our interactions with consumers. This pledge sets the standard in our industry for transparency and integrity. Learn how our Consumer Bill of Rights defines what consumers can expect from MCM.


What People Are Saying

We help consumers resolve past-due debts. Hear what some of our consumers say about their experience working with MCM.

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.–  

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.–  

Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question.

–  V. M.–  

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.–  

The representative really seemed to listen, he was also proactive in his suggestions or solutions.

–  J. L.–  

She was very professional, very nice, listened to my problem and solved it.

–  S. B.–  

Knowledgeable and willing to go above and beyond to help me.

–  W. S.–  

They were willing to help me as quickly as possible, and assured me that it would be done and taken care of.

–  L. R.–  

Very helpful, organized and attentive.

–  D. B.–  


MCM works with trusted partners to ensure the highest standards of quality and service.

ACA International Member certified image
RMAi Member image
Corporate logo for Digicert
ACA International and its design are trademarks owned by ACA International.
DigiCert is a trademark of DigiCert, Inc. and is protected under the laws of the United States and possibly other countries.

The Industry's First

Consumer Bill of Rights

Consumer Bill of Rights Badge

Detailing our commitment to conduct business ethically and in ways that support our consumers’ financial recovery.

Learn More

Terms of Use (TOU)

Effective as of February 7, 2023

× Dismiss

Consumer Testimonials

Learn more about what our consumers say about us