Credit Acceptance Corporation

CUSTOMER SELF-SERVICE (FAQs)

Your Questions Answered

Whether your question is related to payments or credit reporting, this customer self-service (FAQs) section has the answer.

How do I contact a Credit Acceptance representative?
Can I make my payment at the dealership?
How do I get a payoff on my account?
Can I get financed through a Credit Acceptance dealer-partner?
How can I pay online?
What are my payment options?
What is your payment mailing address?
Can I change my payment date?
Can I refinance my vehicle?
You are reporting inaccurate information on my credit report.
I filed the dispute last month and did not hear from you yet.
How do I dispute credit report errors with the major reporting agencies?

How do I contact a Credit Acceptance representative?
You can reach a representative toll free at 1-800-634-1506 from 8:00 a.m. – 11:00 p.m. EST.  

Can I make my payment at the dealership?
Most of our dealer-partners accept payments on behalf of our customers. When submitting payments to your dealer-partner, please be aware that it may take a few days for the payment to be posted to your account.

If you feel your payment will not be posted on or before your due date, please visit your local Western Union or MoneyGram outlet to ensure same day payment on your account. To get a list of local Western Union or MoneyGram locations, please call us at 1-800-634-1506  or visit Western Union or MoneyGram online.

How do I get a payoff on my account?
Please call 1-800-634-1506 and speak to one of our representatives or use the automated response system.  Representatives are available from 8:00 a.m. – 11:00 p.m. EST.  The automated response systems is available 24 hours a day.

Can I get financed through a Credit Acceptance dealer-partner?
We have dealer-partners around the country who are enrolled in the Credit Acceptance program. We approve all customers submitted by our dealer-partners; however the decision to deliver a vehicle is the dealer-partners.

How can I pay online?
You can make a payment online through Western Union. To make a payment, click here http://www.creditacceptance.com/redirect.aspx?url=https://paynow7.speedpay.com/creditacceptance/index.asp

What are my payment options?
We offer several payment options you may be able to take advantage of when making your monthly payment, including our most common payment methods:

• Western Union (same day payment)
• Money Gram (same day payment)
• Automatic Payments (reoccurring debit from your bank account and one-time debit from your bank account)
• Check/Money Order (mail in payment options)
• Southfield, Michigan Payment Center (cash, check or money order)

To view the available options, please visit the Make a Payment section of the website.

What is your payment mailing address?
Below are our official payment mailing addresses. For proper credit on your account, please be sure to include your payment coupon and your account number on your check or money order.

For faster payment service, please visit your local Western Union or Money Gram locations. To get a list of local Western Union or MoneyGram locations, please call us at 1-800-634-1506  or visit Western Union or MoneyGram online.

Can I change my payment date?
Unfortunately payment dates cannot be changed as they are based on the original contract that was signed. Although dates cannot be changed, we are always willing to work with our customers to provide them with the best alternatives for their personal situation.

If you have run into difficulty or simply need assistance because you cannot honor your original payment agreement, please call us at 1-800-634-1506. We will do our best to provide you with alternatives for your personal situation.

 

Can I refinance my vehicle?
Unfortunately, Credit Acceptance does not offer the opportunity to refinance your vehicle through our company. If your payment history has remained in good standing, you may have the opportunity to refinance through another financial institution, such as a bank.

 

You are reporting inaccurate information on my credit report.
Your concern will be forwarded to our Credit Dispute Department for an investigation and they will respond to your inquiry within 30 days.

If you would like to expedite the investigation process, please send a copy of your credit report accompanied with your written dispute to the following address:

Credit Acceptance Corporation
P. O. Box 5070
Southfield, MI 48086
Attention: Credit Dispute Department

I filed the dispute last month and did not hear from you yet.
Your request has been forwarded to our Credit Dispute Department. They will respond to your inquiry within 30 days of the submission date.

How do I dispute credit report errors with the major reporting agencies?
For more information on how to dispute errors, visit the Federal Trade Commissions (FTC) website.  

The following are the dispute addresses for the three major credit reporting agencies:

Equifax
P.O. Box 7404256
Atlanta, GA 30374
www.equifax.com/online-credit-dispute

Experian
P.O. Box 2002
Allen, TX 75013
www.experian.com/disputes/index.html

TransUnion
P.O. Box 390
Springfield, PA 19064
www.transunion.com/corporate/personal/creditDisputes.page