Welcome to MCM

Login to learn more about your MCM text message.

Please refer to important disclosure information below.

Important Disclosures:

Please understand this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Midland Credit Management, Inc.
350 Camino de la Reina, Suite 100
San Diego, CA 92108

We are not obligated to renew any offers provided.

Calls to and/or from this company may be monitored or recorded.

Send dispute or an instrument tendered as full satisfaction of a debt to:

Attn: Consumer Support Services
320 E Big Beaver Rd, Suite 300
Troy, MI 48083

Select License Numbers:

NMLS ID: 934164

California Debt Collection License #10644-99.

North Carolina Department of Insurance Permit #119505601, #119500908, #119506854, #119502738, #119506372, #119500436, #119500840, #119505741

New York City Department of Consumer Affairs License Number 1140603, 1207829, 1207820, 1227728, 2022587, 2023151, 2023152, 2027429, 2027430, 2027431, 2058507

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

I received a text from 312-224-1639, is it legit?

Midland Credit Management (MCM) does send text messages to those who have consented to receive text messages. If you have received a text from 312-224-1639, rest assured it is from MCM. If you have questions, you can view your account online. For further assistance you may chat with one of our Account Managers online or please call 800-296-2657.

Why am I receiving texts from MCM?

Midland Credit Management communicates with consumers through many means including text messaging. If you receive a text message from 312-224-1639 referring you to mcmtext.com, it is because we may be trying to contact you regarding your account.

Note that we are unable to receive calls at 312-224-1639. Please chat with us or call 800-296-2657 if you have any 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, 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.

Where can I find my Midland Credit Management (MCM) login information?

There are two ways you can sign in to 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.


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