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FAQs About Credit Reporting

It is important that our customers get their questions answered and so we’ve developed this handy set of FAQs to our customers better understand what we do and how we can help.

Why am I being contacted by Midland Credit Management (MCM), servicer for Midland Funding?

Your account was purchased and is being serviced by Midland Credit Management, Inc. If you are having trouble verifying your account, we can provide additional information to help you identify your account in your records.

Who do I contact with questions about my account?

If you have any questions, please contact Consumer Support Services at (800) 825-8131, Ext 32980. Our hours of operation are Monday-Friday 5:00am-4:30pm PST.

I would like to dispute my account

To dispute your account follow the instructions below or call us at (800) 825-8131, Ext 32980. Our hours of operation are Monday-Friday 5:00am-4:30pm PST. Once we receive your dispute we will request that the three major consumer credit agencies change the account status to “Disputed”.

Examples of documents to provide by dispute type

Provide any or all of the following examples of documentation:

  1. Paid in Full or Account Settled
    1. A copy of the front and back of a payment instrument (e.g. check or money order) with a copy of the settlement offer or a statement showing the ending balance
    2. A copy of paid in full or settled in full letter
    3. Any other documentation showing the balance has been fully satisfied
  2. Fraud or Identity Theft
    1. Copy of a police report
    2. A fully completed and executed Federal Trade Commission Fraud Affidavit (which can be obtained at www.ftc.gov or by calling 877-438-4338)
    3. A notarized fraud affidavit affirmed with the following statement “I certify the representations made are true, correct, and contain no material omission of fact.”
      1. Date & Place
      2. Signature
  3. Balance Discrepancy
    1. A copy of contract that states rates for timeframe of disputed service
    2. Copy of a bill that shows amount owed or rates
    3. More detailed explanation of disputed charges
  4. Death of Consumer Owing the Debt

    Contact our Consumer Support Services at (800) 825-8131, Ext 32980. Our hours of operation are Monday-Friday 5:00am-4:30pm PST.

Please mail any documentation you may have and an explanation to support your claim to the following address:

Midland Credit Management, Inc.
Attention: Consumer Support Services
2365 Northside Drive, Suite 300
San Diego, CA 92108

Why does my account display Disputed?

You have previously indicated that your account contains inaccurate information. We have reported to the three main consumer credit reporting agencies that your account should be updated to a “Disputed” status. If you have any questions contact our Consumer Support Services at (800) 825-8131, Ext 32980. Our hours of operation are Monday-Friday 5:00am-4:30pm PST. If you have any additional documentation to supply please send them to

Midland Credit Management, Inc.
Attention: Consumer Support Services
2365 Northside Drive, Suite 300
San Diego, CA 92108

What do I do if I believe that my information is inaccurate

Please provide an explanation of why you believe the information is inaccurate and provide any documentation you may have supporting your claim. We’ll be happy to investigate our records as soon as we receive your information.

Please send any documentation to support your explanation and we will reinvestigate our records:

Midland Credit Management, Inc.
Attention: Consumer Support Services
2365 Northside Drive, Suite 300
San Diego, CA 92108

What do I do if I have filed for bankruptcy?

If you have filed for bankruptcy or someone else has filed for bankruptcy who is included on this account, please notify us or have your attorney notify us immediately at (800) 825-8131.

Please have the following information available when you call:

  1. Attorney Name
  2. Attorney’s Phone Number
  3. Attorney’s Address
  4. Bankruptcy case number

Or send the documentation to:

Attention: Consumer Support Services
2365 Northside Drive, Suite 300
San Diego, CA 92108

What if my account has been paid in whole or part to the original credit or a previous account owner?

Provide any documentation that you may have that show the account has been previously paid.

This may include

  1. A copy of the front and back of a payment instrument (e.g. check or money order) with a copy of the settlement offer or a statement showing the ending balance
  2. A copy of paid in full or settled in full letter
  3. Any other documentation showing the balance has been fully satisfied

Please mail any documentation you may have and an explanation to support your claim to the following address:

Midland Credit Management, Inc.
Attention: Consumer Support Services
2365 Northside Drive, Suite 300
San Diego, CA 92108

You can also contact our Consumer Support Services at (800) 825-8131, Ext 32980. Our hours of operation are Monday-Friday 5:00am-4:30pm PST.

What if I believe I am not responsible for this account?

Contact our Consumer Support Services at (800) 825-8131, Ext 32980. Our hours of operation are Monday-Friday 5:00am-4:30pm PST.

Please mail any documentation you may have and an explanation to support your claim to the following address:

Midland Credit Management, Inc.
Attention: Consumer Support Services
2365 Northside Drive, Suite 300
San Diego, CA 92108

What does Open (Portfolio Type) Mean?

“Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e. Terms Duration = 01).” You may communicate with the credit bureaus about concerns with terms being used, but MCM has no control over these terms. If you see this status on a compilation source the information may vary. The credit bureaus have advised that it appears this way because they do not directly populate fields on credit reports pulled from any source other than directly from the bureau itself.