Credit Acceptance
Erica Barham is a seasoned financial professional with extensive experience in internal controls and auditing. Currently serving as a Senior Financial Analyst for Internal Controls at Credit Acceptance Corporation since June 2012, Erica has previously held roles including Internal Auditor at Credit Acceptance Corporation and Audit Associate at KPMG LLP. Erica began her career in accounting as a Bookkeeper/Accountant at Accountemps and has also gained valuable experience as an Audit Intern at KPMG LLP, Accounting Assistant at Jackson National Life Insurance Company, Programming Board Comptroller at the Associated Students of Michigan State University, and Accounting Clerk at the MSU Accounting Department. Erica holds a Master of Science in Accounting from Wayne State University and a Bachelor of Arts in Accounting from Michigan State University.
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Credit Acceptance
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Since 1972, Credit Acceptance has offered automobile dealers auto finance programs to help them sell vehicles to consumers, regardless if they have bad or no credit. These programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales; and from sales to customers who come into the dealership believing they have credit issues, but qualify for traditional financing. Further, we report to the three national credit reporting agencies, giving consumers an opportunity to improve their credit score and potentially qualify for more traditional financing. Our company is unique. Enrolled dealers share in the cash flows from the contract, which creates an alignment of interests and is a critical element of our success. Dealers have an incentive to sell reliable vehicles that last the term of the contracts, as they benefit from those who successfully repay their contracts.