The present invention is directed to a method for reading and writing an STT-MRAM multi-level cell (MLC), which includes a plurality of memory elements coupled in series. The method detects the resistance states of individual memory elements in an MLC by sequentially writing at least one of the plurality of memory element to the low resistance state in order of ascending write current threshold. If a written element switches the resistance state thereof after the write step, then the written element was in the high resistance state prior to the write step. Otherwise, the written element was in the low resistance state prior to the write step. The switching of the resistance state can be ascertained by comparing the resistance or voltage values of the plurality of memory elements before and after writing each of the plurality of memory elements in accordance with the embodiments of the present invention.