UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934


       Date of Report (Date of earliest event reported): SEPTEMBER 7, 2004



                          CREDIT ACCEPTANCE CORPORATION
             (Exact Name of Registrant as Specified in its Charter)


                        Commission File Number 000-20202


                    MICHIGAN                                     38-1999511
(State or other jurisdiction of incorporation or             (I.R.S. Employer
                  organization)                             Identification No.)

       25505 W. TWELVE MILE ROAD, SUITE 3000                     48034-8339
              SOUTHFIELD, MICHIGAN                               (Zip Code)
     (Address of Principal Executive Offices)

      (Registrant's telephone number, including area code): (248) 353-2700

                            ------------------------

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:


| | Written Communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

| | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

| | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

| | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))






ITEM 7.01 REGULATION FD DISCLOSURE.

    Credit Acceptance Corporation is furnishing materials, included as Exhibit
99.1 to this report and incorporated herein by reference, which were prepared
for inclusion on its investor relations website. Credit Acceptance Corporation
is not undertaking to update these materials. This report should not be deemed
an admission as to the materiality of any information contained in these
materials.

    The information furnished in this report shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or
otherwise subject to the liabilities of that Section, nor shall such information
be deemed incorporated by reference in any filing under the Securities Act of
1933, as amended.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

         (c) Exhibits.

                99.1    Materials added to website on or about September 7, 2004






                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                  CREDIT ACCEPTANCE CORPORATION
                                  (Registrant)

                                  By: /s/ Douglas W. Busk
                                     -----------------------
                                  Douglas W. Busk
                                  Treasurer
                                  September 7, 2004








                                INDEX OF EXHIBITS

     EXHIBIT NO.                        DESCRIPTION

        99.1         Materials added to website on or about September 7, 2004