The phone number 800-314-2173 is associated with Midland Credit Management (MCM), which is a legitimate debt collection agency. They typically call to address unresolved debts being serviced by MCM and work with consumers to find financial solutions.
However, some people may perceive these calls as annoying or even scams, as scammers sometimes impersonate debt collectors. It is advised to verify any debt information via your credit report before engaging.
If you receive calls from this number, it’s generally regarding debt collection, and ignoring or blocking it may not resolve the issue as the debt might still impact your credit. You can check your credit reports from the three major bureaus to verify any accounts listed with MCM. If unsure about the legitimacy or accuracy of the debt, consult a credit professional or dispute inaccuracies on your report.
Additionally, there are protections under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive or deceptive practices by debt collectors. You can also block this number to stop calls, report harassment to consumer protection agencies, and seek professional credit repair services if needed.
How do I verify if 800-314-2173 is a genuine Midland Credit Management call
To verify if a call from 800-314-2173 is a genuine Midland Credit Management (MCM) call, follow these steps:
Do not engage immediately. Avoid sharing any personal or financial information until you verify the legitimacy of the debt claim.
Check your credit reports from all three major credit bureaus (Experian, Equifax, and TransUnion) to see if Midland Credit Management shows up as a collection agency for any debts. You can get free reports at AnnualCreditReport.com.
Review your credit report carefully for any debt listed under Midland Credit Management and verify if the amounts and accounts are accurate.
Request debt validation from MCM if you are contacted. By law, they must provide proof that the debt is yours and that they are authorized to collect it.
If you receive a call claiming to be from MCM, you may call them back at their official customer service number found on their website or legitimate sources to confirm the debt.
Be cautious of calls asking for sensitive information like your Social Security number over the phone without prior verification.
If unsure or if you experience harassment, consider consulting a consumer protection lawyer or a reputable credit repair service for help.
Genuine Midland Credit Management calls are typically about unresolved debts they service, and they want to help you find a resolution. However, scammers often impersonate debt agencies, so these verification steps are critical to protect yourself.
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