Credit Acceptance Corporation Credit Acceptance Corp Automotive Finance Southfield, Michigan

To say nothing that you have to buy the extended warranty or they will not finance you.

Requiring the purchase of an extended warranty as a condition of granting credit for the purpose of a consumer purchase of an automobile is against federal statutes in all  the 50 United States and its territories.

This is actionable if you can PROVE it.  You need to visit the FTC website to learn how to file a complaint against then for this.

...to your other report...if you felt you had good credit, why did you stay there and accept being treated like garbage by them which is what you alluded to earlier.  If indeed you have bad credit, then you had the opportunity to see the APR on the contract which you should have READ before signing it and if that APR was too high for you, then don't accept the deal!  How hard is that?  On the other hand, if you have bad credit, then YOUR credit reputation is what controls the APR.  Bad credit means high APR.  If you don't like the thought of high APR, then pay your bills on time!  And just in case you don't like what I said, don't waste the effort saying, "you must work for them", because I don't!