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): JANUARY 13, 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 (I.R.S. Employer Identification No.) of incorporation or organization) 25505 W. TWELVE MILE ROAD, SUITE 3000 48034-83889 SOUTHFIELD, MICHIGAN (Zip Code) (Address of Principal Executive Offices) Registrant's telephone number, including area code: (248) 353-2700 ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE. On January 13, 2004, Credit Acceptance Corporation (the "Company") issued a press release announcing the final results of its modified dutch auction tender offer, which expired at 5:00 p.m. on January 6, 2004. The press release, dated January 13, 2004, is attached as Exhibit 99.1 to this Form 8-K. ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS. (c) Exhibits. 99.1 Press Release dated January 13, 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 Chief Financial Officer and Treasurer January 14, 2004 INDEX OF EXHIBITS EXHIBIT NO. DESCRIPTION ----------- -------------------------------------------- 99.1 Press Release dated January 13, 2004.