Credit Reporting Policy

Midland Credit Management (MCM) is dedicated to helping consumers resolve their past-due debts. Our credit reporting policy is designed to help those who resolve their accounts with us.

Per MCM policy, if an account is paid in full or settled in full after we begin credit reporting, we will request a deletion of our tradeline after the payment resolving the account is processed. We cannot control the timing within which the credit reporting agencies process our request, but it typically takes up to 45 days after payment for the tradeline deletion request to be processed.

Additionally, we will never report an account to the credit bureaus if:

  • Payments begin within six months of mailing of our initial notice; and
  • Payments are made at least each calendar month thereafter until the account is paid in full or resolved for less than the full balance.

NOTE: We are required to delete our credit reporting tradeline seven years after the delinquency date, regardless of the paid status. This time frame is shorter in certain states.

How Does This Affect Me?

Why does Midland Credit Management appear on my credit report?

If Midland Credit Management appears on your credit report, then one of your accounts has been sold to Midland Credit Management. When a creditor sells an account to Midland Credit Management, then all legal rights associated with that account are also transferred. Even though your original account may have been closed, your obligation is still valid and due to Midland Credit Management.

Learn more about why Midland Credit Management appears on your credit report and how to find more information about your account.

What do I do if I want this account deleted or not reported?

If you have only recently been notified that your account has been purchased by Midland Credit Management and credit reporting has not yet started, then you have a few options. After sending the initial notice about the acquisition of your account, Midland Credit Management will not report your account to the credit bureaus for the first six months of servicing. If during those six months you make a payment and continue making payments on your account until it is resolved, we will never report to the credit reporting agencies.

If Midland Credit Management has already started reporting your account to the credit bureaus, we will request your account be deleted when the account is resolved.

We’re required to delete our credit reporting tradeline seven years after the original delinquency date, regardless of the paid status. This time frame is shorter in certain states.

If you have further questions on the credit reporting status of your account, contact us at (800) 296-2657.

I have seen ads that say I can eliminate my debt without paying Midland Credit Management, is it true?

There are dozens of credit repair organizations that claim to have a quick solution to all of your credit woes. For a fee, these companies will attempt to clean-up your credit, often by filing frivolous disputes to credit reporting agencies and to your creditors. By doing this, they may temporarily change what is on your credit report, but it is not necessarily a long-term solution.

If you have a valid concern about your debt, let us know. We want to make sure we only collect on valid and accurate debts. You can visit our Consumer Resolution Center and file a formal dispute directly with us. We do not recommend paying someone to dispute your debt when you can do it for free directly with us.

If you have any immediate questions, use our fast and efficient online chat.

How will paying off my account impact my credit report/score?

Because no two consumers or credit profiles are the same, we do not know how repaying your Midland Credit Management account will impact your credit score. For specific information about your credit report or credit score, please contact the credit bureaus directly.


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.–  


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