Building Pathways to Economic Freedom

Our Mission, Vision and Values

At Midland Credit Management (MCM), we go the extra mile for our consumers, our colleagues, and our clients.

We understand there’s no one-size-fits-all approach to financial recovery. That’s why we continue to innovate to meet new industry standards and equip consumers with the resources they need to resolve their debt to secure a better financial future.

Our commitment to our consumers is articulated in our Mission, Vision and values.


Creating pathways to economic freedom


We help make credit accessible by partnering with consumers to restore their financial health


We care: We put people first and engage with honesty, empathy, and respect

We find a better way: We deliver our best in everything we do, find ways to make a positive difference, and achieve impactful results

We are inclusive and collaborative: We embrace our differences and work together to ensure every individual can thrive

Midland Credit Management and Midland Funding LLC

You might have noticed Midland Funding LLC or Midland Credit Management on your credit report. Midland Funding owns past-due debt accounts and partners with MCM to service those accounts. Learn more about Midland Funding LLC and its relationship with MCM.


Midland Credit Management is led by a team of executives with industry-leading knowledge and expertise to drive results for consumers, employees, and the communities where we operate. Learn more about MCM’s executive leadership team.

Our Commitment to Social Responsibility

MCM is committed to giving back to the communities we call home. Learn how our Corporate Social Responsibility programs promote financial literacy and support economic empowerment.

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Trusted Since 1953

Midland Credit Management has been empowering consumers for more than 65 years.

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We’ve helped more than 7,000,000 people regain their financial independence.

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Nationwide Support

Our team helps consumers in all 50 states get back to doing what they love.

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Helping consumers since 1953

Welcome to Midland Credit Management! We have helped more than 7 million consumers in the U.S. get back to doing what they love.

Learn more about us in this short video.


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.–  

Reviews from Google

Don't Just Take Our Word for It

4.4 2569 Reviews

Discover what real consumers have to say about MCM


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The Industry's First

Consumer Bill of Rights

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

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Terms of Use (TOU)

Effective as of February 7, 2023

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Consumer Testimonials

Learn more about what our consumers say about us