Midland Credit Management is a collection agency and a subsidiary of Encore Capital Group. They collect on credit cards, automobiles, unsecured consumer debt, and telecom accounts.

They are located in Minnesota, Phoenix, and San Diego. Encore Capital Group the parent company is even traded on NASDAQ.

They purchase debts from collection agencies and lenders. They say they try and work with the customer in order to set up a settlement plan.

However other individuals state that Midland often uses arbitration. This means they will try and get a court to place a judgment against you for the account they are trying to collect on.

A judgment is a very severe mark that you should avoid if possible. If you have a mark from Midland Credit Management I suggest disputing this mark with the credit bureaus.

You can dispute this yourself or hire a professional credit repair service. A well written dispute letter must be made and mailed to the bureaus.

In this letter you simply give the specifics about the negative mark and the reason that it is incorrect. Then you place this letter in the mail.

If you have multiple negative marks on your credit report then you should consider a professional credit repair service. However if you only have one or two marks you will be better suited to dispute these marks yourself.

A credit repair company will track and monitor you disputes and stay on top of the credit bureaus and their stall tactics. This company will also draft a "valid" dispute letter to start the investigation.

It is everyday practice for the bureaus to respond to a dispute letter with one that asks for more information about the dispute. This is no more than a stall tactic used by the credit bureaus. They want to frustrate the individual and hope the individual will give up on the dispute.

The bureaus must pay for an investigation. The money to pay for this comes straight out of their pocket.

A credit repair firm can usually get a credit bureau to start an investigation quicker than an individual. It may be they are fearful of an attorney at the firm will file a complaint about the credit bureaus not responding to the Fair Credit Reporting Act.

This act simply says that the credit bureaus must investigate a dispute and remove the mark if it is found to be inaccurate or unverifiable.

In sum, the law is on your side and you have every right to dispute the accuracy of any mark on your credit report. You do not have to keep paying the high cost of bad credit.