Why does Midland Credit Management, Inc. appear on my credit report?

Learn about MCM, including who we are and why you see Midland Credit Management, Inc. on your credit report.

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MCM’s credit reporting policies put consumers first

MCM is a company that buys and services unpaid debt. For example, when a credit card account goes unpaid, sometimes the credit card company will close the account and sell it to companies like MCM. From that point on, MCM owns the account. If Midland Credit Management, Inc. appears on your credit report, that means the original account was sold to MCM and that your credit report was updated to reflect the new owner of the original debt.

To check to see if MCM owns debt belonging to you from an account that has been charged off, please use the look up your account tool and log in to your MCM account. If you don’t know your account number and aren’t sure whether you have an account with us, you can use your last name, the last four digits of your Social Security number, and your date of birth to look up your account.

We understand that your credit is important. MCM has consumer-friendly policies for credit reporting. Visit our credit reporting page for more information about how our credit reporting policy might apply to your account.

We help consumers like you get back on track with their past-due debt. MCM offers flexible payment options that fit your unique needs. Get more information about your account in our secure, online payment portal. Log in to get started on your path to financial recovery.

If you still have questions, our friendly account managers are available at 800-296-2657 from 5:00 am to 7:00 pm (Pacific) Monday through Thursday, Friday 5:00 am to 5:00 pm (Pacific), and 6:00 am to Noon (Pacific) on Saturday. You may also view our FAQs page to learn more about our company and the tools we offer to assist consumers with past-due financial obligations.

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