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?
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.