How to Remove Midland Funding LLC from Your Credit Report


amy beardsley

By Amy Beardsley

Last updated 5/12/2020


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Summary: These 3 simple steps can remove Midland Funding LLC from your credit report for good.

Collections agencies are never fun to deal with, and Midland Credit Management Inc is no exception. If you’re getting calls or letters from them, you’ve come to the right place.

I know what you’re thinking.

It can’t be that easy.

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It’s true that dealing with debt collection companies can be stressful.

But we can help. 

Here’s how to deal with Midland Funding Credit Management and get them out of your life for good.

Midland Credit Management, MCM Credit Management, Midland Funding, LLC

Who is Midland Funding LLC?

Midland Funding, LLC, aka Midland Credit Managment is one of the largest debt collection companies. They buy past-due accounts from other lenders and try to collect the money that’s owed.

Midland Funding is not accredited by the Better Business Bureau, but the company works with Midland Credit Management (MCM), and they have been accredited by the BBB since 2000.

Negative items on your credit file?  Our 609 credit dispute letters may be able to help get them removed.

What’s the difference between Midland Funding and MCM Credit?

The answer is simple.

Midland Funding owns your account, and MCM Credit Management is the “middle-man” that works with you to resolve your debt.

Basically, MCM Credit is the one who collects the debt. 

Because Midland Funding LLC relies on Midland Credit Management Inc  to service your account, any letters, phone calls, and negotiations must go through MCM Credit.

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3 Simple Options to Remove Midland Credit Management Inc from Your Credit Report

There’s a proven method to resolve your debt, remove Midland Funding from your credit report, and increase your credit score

The first step has a time restriction, so you must act fast.

1. The Secret Weapon Midland Funding, LLC Doesn't Want You to Know

Collection companies like Midland Funding can be ruthless. They believe beyond the shadow of a doubt that you owe them money. 

They’ll try to push you into a corner to get you to fork over the cash.

You can fight back with a debt validation letter

Did you know?


48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

It’s your secret weapon when dealing with Midland Funding LLC.

Because it comes from Section 609 of the Federal Credit Reporting Act, the debt validation letter is sometimes called a Section 609 letter. 

It’s the same thing.

You’re asking the company to prove you owe the debt. If they can’t, Midland Funding must remove the account from your credit report.

It’s that easy.

There’s just one catch:

Once Midland Credit Management Inc contacts you, you only have 30 days to make the request. 

What if you wait 31 days? Then this trick won’t work for you and you should skip ahead to step two.

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Now, remember: Midland Funding uses MCM Credit to handle their accounts.

That means you mail your Section 609 Letter to: 

Midland Credit Management Inc

P.O. Box 939069

San Diego, California 92193

Now, let’s move on to step two.

2. Ask for Proof (In Writing!)

What happens if MCM Credit Management validates your debt?

You have two options:

  1. You can keep going on your own
  2. You can call in the experts

If you want a break, call a credit expert like our #1 recommended credit repair company for help.

Then you can sit back and relax while the credit pros do all the work.

If you’d rather do it yourself, that’s okay, too.

Because there’s a loophole you can try to exploit.

Midland Credit Management, MCM Credit Management, Midland Funding, LLC

Here’s the thing:

Just because they say it’s yours doesn’t mean it really is.

What happens if you call their bluff?

If you get a response to your Section 609 Letter, your next step is to make the company prove they went through all the necessary steps to verify that the debt is yours.

Basically, you’re asking MCM for the method and documentation they used in their decision.

This “method of verification letter” is an important step. 

Most collection companies rely on automated programs to validate your debt. They don’t put much human effort into investigating what you owe. 

If you challenge the automated system and ask for a real person to look for evidence, they might not find any.

And that means you’re off the hook.

Before you get too excited, know that Midland Funding can take around 15 days to respond to your method of verification request.

You can ask them to remove the collections account from your credit report if they can’t find any solid proof that you owe the debt.

Or visit our review of the best credit repair companies of 2020

3. Make a Deal with Midland Funding LLC

If you’ve made it this far, there’s a good chance you won’t get MCM Credit off your credit report without paying them something.

But you might not have to pay the full amount!

You could negotiate to settle for less than you owe. 

Here’s a tip: Always negotiate in writing.

Creditors might promise you one thing and do the opposite once they have your money. Having your agreement in writing can protect you is Midland Credit Managment Inc doesn’t follow through on their end of the deal.

In your next letter to MCM, offer to pay a set percentage of the total debt.

It’s up to you, but U.S. News & World Report found that collections agencies often settle for 40% to 60% of the balance due. 

Now, there’s one more thing.

Usually, when getting a debt collector off of your credit report, you do something called “pay for delete.”

It can be a hassle, but sometimes it’s necessary.

But I have some good news:

Midland Funding LLC doesn’t make you jump through that hoop.

They’ll automatically delete the collection from your credit report when you make the payment.

It could take up to 30 days for MCM Credit to report your account as paid to the credit bureaus, but it will happen.

Get Rid of MCM Credit Management for Good

Hopefully, you found these step-by-step instructions for getting Midland Funding off of your credit report helpful.

If Midland Funding, LLC is contacting you about debt, keep one thing in mind:

Don’t bury your head in the sand.

You have options.

And remember, you can always call our #1 recommended credit repair company for backup. If you’re not sure what your best course of action is, they can clean up your credit report fast.

*Study found 48% of professional credit repair clients who stuck with their service for 6+ months saw an average of 100+ points to their credit score.  Source.

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