<?xml version="1.0" encoding="utf-8"?>
<schema xmlns:ck0001604174="http://www.eaglepointcreditcompany.com/20260630" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:deprecated="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:us-gaap="http://fasb.org/us-gaap/2026" xmlns:cef="http://xbrl.sec.gov/cef/2026" xmlns:cef-pre="http://xbrl.sec.gov/cef-pre/2026" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:ecd="http://xbrl.sec.gov/ecd/2026" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" targetNamespace="http://www.eaglepointcreditcompany.com/20260630" elementFormDefault="qualified">
  <!-- INTEGIX by Ez-XBRL -->
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <import namespace="http://xbrl.sec.gov/cef/2026" schemaLocation="https://xbrl.sec.gov/cef/2026/cef-2026.xsd"/>
  <import namespace="http://xbrl.sec.gov/cef-pre/2026" schemaLocation="https://xbrl.sec.gov/cef/2026/cef-2026_pre.xsd"/>
  <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.eaglepointcreditcompany.com/role/DESCRIPTIONOFOURCAPITALSTOCK" id="DESCRIPTIONOFOURCAPITALSTOCK">
        <link:definition>0000 - Disclosure - DESCRIPTION OF OUR CAPITAL STOCK</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.eaglepointcreditcompany.com/role/SENIORSECURITIESLEVERAGE" id="SENIORSECURITIESLEVERAGE">
        <link:definition>0000 - Disclosure - SENIOR SECURITIES LEVERAGE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.eaglepointcreditcompany.com/role/RiskFactors" id="RiskFactors">
        <link:definition>0000 - Disclosure - Risk Factors</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.eaglepointcreditcompany.com/role/DESCRIPTIONOFOURSECURITIES" id="DESCRIPTIONOFOURSECURITIES">
        <link:definition>0000 - Disclosure - DESCRIPTION OF OUR SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.eaglepointcreditcompany.com/role/LeverageOfPortfolio" id="LeverageOfPortfolio">
        <link:definition>0000 - Disclosure - Leverage of portfolio</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.eaglepointcreditcompany.com/role/Cover" id="Cover">
        <link:definition>0000 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
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      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001604174-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001604174-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
    </appinfo>
  </annotation>
  <element name="AssetBasedFinanceInvestmentsRiskMember" id="ck0001604174_AssetBasedFinanceInvestmentsRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="BankingRiskMember" id="ck0001604174_BankingRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="CommonStocksMember" id="ck0001604174_CommonStocksMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="ConflictsOfInterestRiskMember" id="ck0001604174_ConflictsOfInterestRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="CounterpartyRiskMember" id="ck0001604174_CounterpartyRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="CreditsRiskMember" id="ck0001604174_CreditsRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="CurrencyRiskMember" id="ck0001604174_CurrencyRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="DerivativesRiskMember" id="ck0001604174_DerivativesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="FairValuationOfPortfolioInvestmentsRiskMember" id="ck0001604174_FairValuationOfPortfolioInvestmentsRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="GlobalRisksMember" id="ck0001604174_GlobalRisksMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="HedgingRiskMember" id="ck0001604174_HedgingRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="HighYieldInvestmentRiskMember" id="ck0001604174_HighYieldInvestmentRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="IncentiveFeeRiskMember" id="ck0001604174_IncentiveFeeRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="InfrastructureSectorRiskMember" id="ck0001604174_InfrastructureSectorRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="InterestRatesRiskMember" id="ck0001604174_InterestRatesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="InvestingInCollateralizedLoanObligationsAndOtherStructuredDebtSecuritiesRiskMember" id="ck0001604174_InvestingInCollateralizedLoanObligationsAndOtherStructuredDebtSecuritiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="KeyPersonnelRiskMember" id="ck0001604174_KeyPersonnelRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
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  <element name="LimitedInvestmentOpportunitiesRiskMember" id="ck0001604174_LimitedInvestmentOpportunitiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="LiquidityRiskMember" id="ck0001604174_LiquidityRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="LoanAccumulationFacilitiesRiskMember" id="ck0001604174_LoanAccumulationFacilitiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="LondonInterbankOfferedRateRiskMember" id="ck0001604174_LondonInterbankOfferedRateRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="MarketRiskMember" id="ck0001604174_MarketRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="NonDiversificationRiskMember" id="ck0001604174_NonDiversificationRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="NonUnitedStatesInvestingRiskMember" id="ck0001604174_NonUnitedStatesInvestingRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="NotesDue2028At66875PercentMember" id="ck0001604174_NotesDue2028At66875PercentMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="NotesDue2029At5375PercentMember" id="ck0001604174_NotesDue2029At5375PercentMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="NotesDue2030At775PercentMember" id="ck0001604174_NotesDue2030At775PercentMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="NotesDue2031At675PercentMember" id="ck0001604174_NotesDue2031At675PercentMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="PreferredStocksMember" id="ck0001604174_PreferredStocksMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="PrepaymentsRiskMember" id="ck0001604174_PrepaymentsRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="PriceRiskMember" id="ck0001604174_PriceRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="RealEstateInvestmentRelatedRisksMember" id="ck0001604174_RealEstateInvestmentRelatedRisksMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="RefinancingRiskMember" id="ck0001604174_RefinancingRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="RegulatoryCapitalReliefInvestmentsRiskMember" id="ck0001604174_RegulatoryCapitalReliefInvestmentsRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="ReinvestmentRiskMember" id="ck0001604174_ReinvestmentRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="RisksOfDefaultOnUnderlyingAssetsMember" id="ck0001604174_RisksOfDefaultOnUnderlyingAssetsMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="RisksRelatingToConvertiblePerpetualPreferredSharesConversionFeatureMember" id="ck0001604174_RisksRelatingToConvertiblePerpetualPreferredSharesConversionFeatureMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="RussiaRiskMember" id="ck0001604174_RussiaRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="Series2020NotesMember" id="ck0001604174_Series2020NotesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SeriesAaConvertiblePerpetualPreferredStockMember" id="ck0001604174_SeriesAaConvertiblePerpetualPreferredStockMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SeriesAbConvertiblePerpetualPreferredStockMember" id="ck0001604174_SeriesAbConvertiblePerpetualPreferredStockMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SeriesATermPreferredStockMember" id="ck0001604174_SeriesATermPreferredStockMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SeriesCTermPreferredStockMember" id="ck0001604174_SeriesCTermPreferredStockMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SeriesDPreferredStocksMember" id="ck0001604174_SeriesDPreferredStocksMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SeriesFTermPreferredStockDue2029Member" id="ck0001604174_SeriesFTermPreferredStockDue2029Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SubordinatedSecuritiesRiskMember" id="ck0001604174_SubordinatedSecuritiesRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="SyntheticInvestmentsRiskMember" id="ck0001604174_SyntheticInvestmentsRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="TaxRiskMember" id="ck0001604174_TaxRiskMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
  <element name="UnsecuredNotesMember" id="ck0001604174_UnsecuredNotesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" nillable="true"/>
</schema>
