SECURITIES AND EXCHANGE COMMISSION ~~Washington, D.C. 20549~~

~~Form 8-K~~ WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the ~~Securities Exchange Act of 1934~~

~~Date~~Securities ofExchange Act ~~Report (Date~~ of ~~earliest event reported) October 18, 2002~~1934

~~AmeriCredit~~Date ~~Automobile Receivables Trust 2002-E-M (Exact name~~ of ~~registrant~~Report: asNovember ~~specified~~14, ~~in its charter)~~ 2002

United States (State or Other Jurisdiction of Incorporation)		333-73606 (Commission File Number)		88-0359494 (I.R.S. Employer Identification No.)
c/o AmeriCredit Financial Services, Inc. Attention: Chris A. Choate, Esq. 801 Cherry Street, Suite 3900 Fort Worth, Texas 76102 (Address of Principal Executive Offices)(Zip Code)

AmeriCredit Automobile Receivables Trust 2002-E-M

(Exact Name of Registrant's ~~telephone~~ as ~~number~~specified ~~including~~in ~~area~~its ~~code—(817~~charter) ~~302-7000~~

(Former name or former address, if changed since last report)

United States	333-73606	61-1428465
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification Number)

	c/o AmeriCredit Financial Services, Inc. Attention: Daniel E. Berce 801 Cherry Street, Suite 3900 Fort Worth, TX 76102
	(Address of Principal Executive Office)

	(817) 302-7000
	Registrant’s phone number

Item 2. Acquisition or Disposition of Assets

Description of the Securities and the Auto Loans

AmeriCredit Financial Services, Inc., as Sponsor, has registered an issuance of $1,700,000,000 in principal amount of Securities (the "Securities") on Form S-3. Pursuant to the Registration Statement, AmeriCredit Automobile Receivables Trust 2002-E-M (the "Trust") issued $292,000,000 Class A-1 1.81875% Asset Backed Notes, $140,000,000 Class A-2-A 2.16% Asset Backed Notes, $267,000,000 Class A-2-B Floating Rate Asset Backed Notes, $100,000,000 Class A-3-A 2.97% Asset Backed Notes, $540,000,000 Class A-3-B Floating Rate Asset Backed Notes, $160,000,000 Class A-4-A 3.67% Asset Backed Notes and $201,000,000 Class A-4-B Floating Rate Asset Backed Notes, (collectively, the "Notes") on October 29, 2002 (the "Closing Date"). This Current Report on Form 8-K is being filed to satisfy an undertaking to file copies of certain agreements executed in connection with the issuance of the Notes, the forms of which were filed as Exhibits to the Registration Statement.

The Notes were issued pursuant to an Indenture attached hereto as Exhibit 4.1, dated as of October 18, 2002, between the Trust and Bank One, NA, as Trustee and Trust Collateral Agent (the "Trustee" and the "Trust Collateral Agent").

The Notes will evidence indebtedness of the Trust, the assets of which consist primarily of retail installment sales contracts (the "Receivables") secured by new and used automobiles, light duty trucks and vans financed thereby.

As of the Closing Date, the Receivables had the characteristics described in the Prospectus Supplement dated October 18, 2002 (the "Prospectus Supplement") filed with the Commission pursuant to Rule 424(b)(5) of the Act.

Item 5. Other Events

~~The~~Information ~~consolidated~~relating ~~financial~~to ~~statements~~distributions ofto ~~MBIA~~Noteholders for ~~Insurance~~the ~~Corporation~~October ~~("MBIA"),~~2002 aCollection ~~wholly~~Period ~~owned subsidiary~~ of ~~MBIA Inc.,~~the ~~and~~Registrant ~~its~~in ~~subsidiaries~~respect as of the ~~December 31,~~ Class ~~2001~~A-1 ~~and~~Asset ~~December 31~~Backed Notes, ~~2000~~Class ~~and~~A-2A ~~for~~Asset ~~each~~Backed ofNotes, ~~the~~Class ~~three~~A-2B Floating ~~years~~Rate inAsset ~~the~~Backed ~~period ended December 31~~Notes, ~~2001,~~Class ~~prepared~~A-3A inAsset ~~accordance~~Backed ~~with~~Notes, ~~generally~~Class ~~accepted accounting~~A-3B ~~principles,~~ Floating ~~included~~Rate inAsset ~~the~~Backed ~~Annual~~Notes, ~~Report~~Class ~~on Form 10~~A-K4A ofAsset ~~MBIA Inc.~~Backed ~~for~~Notes, ~~the~~and ~~year~~Class ~~ended~~A-4B Floating ~~December 31,~~Rate ~~2001,~~Asset ~~and~~Backed ~~the~~Notes ~~consolidated~~(collectively, ~~financial~~the ~~statements~~“Notes”) ofissued ~~MBIA~~by ~~and its~~the ~~subsidiaries~~ Registrant. The asperformance of ~~June 30,~~the Receivables ~~2002~~held ~~and~~by ~~for~~ the ~~six~~Registrant, ~~month~~together ~~period~~with ~~ended~~certain ~~June 30,~~other ~~2002~~information relating ~~and~~to ~~June 30~~the Notes, ~~2001~~is ~~included~~contained in the ~~Quarterly~~Preliminary ~~Reports~~Servicer’s onCertificate and ~~Form 10-Q~~the ~~of MBIA Inc.~~Servicer’s Certificate for the ~~period~~referenced ~~ended~~Collection ~~June 30,~~Period. ~~2002~~Both ~~are~~of which ~~hereby~~Certificates ~~incorporated~~are byprovided ~~reference~~to inNoteholders ~~(i) this~~pursuant ~~Current~~to ~~Report~~the onSale ~~Form 8-K;~~and Servicing ~~(ii) the~~Agreement ~~Prospectus~~ dated as of ~~January 25~~ October 18, 2002 ofbetween ~~AmeriCredit~~the ~~Financial Services~~Registrant, ~~Inc~~ AFS SENSUB Corp., ~~and~~as ~~(iii) the~~Seller, ~~Prospectus~~AmeriCredit ~~Supplement~~Financial ~~for~~Services, ~~the~~Inc., ~~Trust~~as Servicer, and Bank ~~shall~~One, beN.A., ~~deemed~~as toBackup beServicer ~~part~~and ~~hereof~~Trust ~~and~~Collateral ~~thereof.~~Agent (the “Agreement”).

Item 7. Financial Statements, ~~Pro Forma Financial Information and~~ Exhibits.

Exhibit No.		Exhibit
99.1		Preliminary Servicer’s Certificate and Servicer’s Certificate for the October 2002 Collection Period relating to the Notes issued by the Registrant pursuant to the Agreement.

SIGNATURE

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 thereunto duly authorized.

AmeriCredit Automobile Receivables Trust 2002-E-M

By: AmeriCredit Financial Services, Inc., as Servicer

/s/	Daniel E. Berce
	Daniel E. Berce
	Vice Chairman and
	Chief Financial Officer

November 14, 2002

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.

AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2002-E-M By: AmeriCredit Financial Services, Inc., as Sponsor

By: /s/ CHRIS A. CHOATE Name: Chris A. Choate Title: Executive Vice President, Secretary and Chief Legal Officer

Dated: November 8, 2002

EXHIBIT INDEX

Exhibit No.		Description
1.1		Underwriting Agreement, dated as of October 18, 2002, among AmeriCredit Financial Services, Inc., as Sponsor, AFS SenSub Corp., as Seller (the "Seller"), and Deutsche Bank Securities Inc., as Representative of the Underwriters (the "Representative").
4.1		Indenture, dated as of October 18, 2002, between AmeriCredit Automobile Receivables Trust 2002-E-M (the "Trust") and Bank One, NA, as Trustee and Trust Collateral Agent.
4.2		Amended and Restated Trust Agreement, dated as of October 18, 2002, between the Seller and Deutsche Bank Trust Company Delaware, as Owner Trustee.
4.3		Sale and Servicing Agreement, dated as of October 18, 2002, among the Trust, AmeriCredit Financial Services, Inc., as Servicer, the Seller, and Bank One, NA, as Backup Servicer and Trust Collateral Agent.
4.4		Note Guaranty Insurance Policy, dated as of October 29, 2002 and delivered by MBIA Insurance Corporation (the "Insurer").
10.1		Purchase Agreement, dated as of October 18, 2002, between AmeriCredit Financial Services Inc., as Seller, and AFS SenSub Corp., as Purchaser.
10.2		Indemnification Agreement, dated as of October 18, 2002, among the Insurer, the Seller and the Representative.
23.1		Consent of PricewaterhouseCoopers LLP ("PWC") regarding financial statement of the Trust and their report.
23.2		Report of PWC regarding financial statement of the Trust.
23.3		Consent of PWC regarding financial statements of the Insurer.
99.1		Statistical information for the receivables as of the Initial Cutoff Date.

Exhibit

99.1				Preliminary Servicer’s Certificate and Servicer’s Certificate for the October 2002 Collection Period relating to the Notes issued by the Registrant.

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