Do not finance a car with these people no matter how desperate you may be. My ex-husband financed this car in my name with this company about 3 years ago. The car was garbage to begin with: the A/C went out the first week, and the transmission went out at months 2 and 3. Well, luckily someone hit me head on and totaled the piece of junk after the 3rd month. Unlucky for me, I sustained serious injuries, but have since recovered. Thank goodness we purchased GAP insurance for this vehicle!!! I was late 1 week, 1 time, and the second you become late they begin to call and harass you, beginning at 8am in the morning and ending at 9pm that evening. They even called Saturday and Sunday threatening to repossess the vehicle.
Why I'm so angry now is that it has been 3 years since this lemon has been paid off. My auto insurance paid immediately and GAP paid soon after. I was up to date on the payment when the car was totaled. Well, Credit Acceptance didn't seem to get that. They have totally wrecked my credit, which I have disputed month after month after month. Finally they removed all the lates from the account from 2 of my reports. So I thought the battle was over... Not so fast. They have reported me as being 90 days late last month, and the car has been paid off since NOV! NEVER NEVER NEVER finance with these people! So now I begin the battle again. It has dropped my credit score dramatically.
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