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): MAY 10, 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 (I.R.S. Employer incorporation or 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 ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE. On May 10, 2004, Credit Acceptance Corporation (the "Company") issued a press release announcing that it was filing a Form 12b-25 with the Securities and Exchange Commission to extend the filing date of its quarterly report on Form 10-Q for the period ended March 31, 2004. The press release, dated May 10, 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 May 10, 2004 ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION. On May 10, 2004, Credit Acceptance Corporation (the "Company") issued a press release announcing that it was filing a Form 12b-25 with the Securities and Exchange Commission to extend the filing date of its quarterly report on Form 10-Q for the period ended March 31, 2004. The press release also contains certain information regarding the Company's results of operations and financial condition for the quarter ended March 31, 2004. The press release, dated May 10, 2004, is attached as Exhibit 99.1 to this Form 8-K. 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 May 12, 2004 INDEX OF EXHIBITS EXHIBIT NO. DESCRIPTION 99.1 Press Release dated May 10, 2004.