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Is Midland Credit Management legit

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Danny85
New Visitor

Is Midland Credit Management legit

I recently received a notice from Midland Credit Management that says they owe my debt from capital one  but I know for fact it is still with capital one or moreso a credit agency connected to capital one (i'm currently paying them back).  Will they try to report on my credit report becasue I have seen that they have pulled my report a few times. Also do I need to file a police report. Thank you for whatever advice

Message 1 of 6
5 REPLIES 5
OmarGB9
Community Leader
Super Contributor

Re: Is Midland Credit Management legit

Yes it is. And what credit agency are you currently working with?


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 6
Danny85
New Visitor

Re: Is Midland Credit Management legit

Thank you for your reply

Capital one collection agency/Kilma, Peter and Daly law firm. They are actually reporting on my capital one /creidit report too. The midland agency increased my original amount by 2000 too, plus the number for Midland  on my credit report is defunct. It just so weird 

Message 3 of 6
OmarGB9
Community Leader
Super Contributor

Re: Is Midland Credit Management legit

What exactly is showing on your reports? All 3 of these entities (Cap One, the CA/law firm, *and* MCM)?


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 6
MrTom
Frequent Contributor

Re: Is Midland Credit Management legit

What is the DOFD on this debt with Midland?

 

They have a great program if you pay a debt, that they will remove the TL from your report if the DOFD is over 2 years.



Starting Score: May 23, 2016 EQ 537 TU 518 EX 548
Recent Scores: EQ 839 TU 824 EX 821
Goal Score: 840
Current Vantage 3.0: 808
Mortgage Scores August 18 2017: EQ5 684 TU4 692 EX2 690
Message 5 of 6
BM1990
New Contributor

Re: Is Midland Credit Management legit

Yes, Midland is legit! They are very good with Pay For Delete! I had a collection with them, after it was paid, my collection was deleted in 2 to 3 weeks on all bureaus !


Experian: 671
Equifax: 666
Transunion: 673
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