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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                             CURRENT REPORT PURSUANT
                          TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934



DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED):   JANUARY 26, 2004


                           FREMONT GENERAL CORPORATION
             (Exact Name of Registrant as Specified in Its Charter)

                                     NEVADA
                 (State or Other Jurisdiction of Incorporation)


         1-8007                                          95-2815260
(Commission File Number)                    (I.R.S. Employer Identification No.)

         2020 SANTA MONICA BOULEVARD - SUITE 600 SANTA MONICA, CA 90404
               (Address of Principal Executive Offices) (Zip Code)

                                 (310) 315-5500
              (Registrant's Telephone Number, Including Area Code)

                                       N/A
          (Former Name or Former Address, if Changes Since Last Report)





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<PAGE>



     ITEM  5.    OTHER EVENTS


      On January 26, 2004, Fitch Ratings affirmed its senior debt rating of
      Fremont General Corporation ("the Company") at CCC+ and revised its Rating
      Outlook to "Positive" from "Stable." Fitch also affirmed its trust
      preferred rating of the Company's subsidiary, Fremont General Financing I
      at CC and revised its Rating Outlook to "Positive" from "Stable."

      On January 27, 2004, Moody's Investors Service upgraded its senior debt
      rating of the Company to B3 from Caa1 and upgraded its rating of the
      Company's subordinated debt to Caa2 from Caa3. In addition, Moody's
      upgraded its rating of the Company's trust preferred securities to Caa2
      from Caa3. Moody's stated its outlook for the ratings as "Stable."



                                       2



<PAGE>


                                   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 thereunto duly authorized.




                                       FREMONT GENERAL CORPORATION


     Date:  January 28, 2004           BY: /s/       Patrick E. Lamb
                                       -----------------------------------------
                                       Patrick E. Lamb, Senior Vice President,
                                       Controller and Chief Accounting Officer



                                       3
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{"company-data": {"conformed-name": "FREMONT GENERAL CORP", "cik": "0000038984", "assigned-sic": "6022", "irs-number": "952815260", "state-of-incorporation": "NV", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-08007", "film-number": "04551979"}, "business-address": {"street1": "2020 SANTA MONICA BLVD", "street2": "STE 600", "city": "SANTA MONICA", "state": "CA", "zip": "90404", "phone": "3103155500"}, "mail-address": {"street1": "2020 SANTA MONICA BLVD", "city": "SANTA MONICA", "state": "CA", "zip": "90404"}}
================================================================================

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                             CURRENT REPORT PURSUANT
                          TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED):   JANUARY 26, 2004

                           FREMONT GENERAL CORPORATION
             (Exact Name of Registrant as Specified in Its Charter)

                                     NEVADA
                 (State or Other Jurisdiction of Incorporation)

         1-8007                                          95-2815260
(Commission File Number)                    (I.R.S. Employer Identification No.)

         2020 SANTA MONICA BOULEVARD - SUITE 600 SANTA MONICA, CA 90404
               (Address of Principal Executive Offices) (Zip Code)

                                 (310) 315-5500
              (Registrant's Telephone Number, Including Area Code)

                                       N/A
          (Former Name or Former Address, if Changes Since Last Report)

================================================================================
ITEM  5.    OTHER EVENTS

      On January 26, 2004, Fitch Ratings affirmed its senior debt rating of
      Fremont General Corporation ("the Company") at CCC+ and revised its Rating
      Outlook to "Positive" from "Stable." Fitch also affirmed its trust
      preferred rating of the Company's subsidiary, Fremont General Financing I
      at CC and revised its Rating Outlook to "Positive" from "Stable."

      On January 27, 2004, Moody's Investors Service upgraded its senior debt
      rating of the Company to B3 from Caa1 and upgraded its rating of the
      Company's subordinated debt to Caa2 from Caa3. In addition, Moody's
      upgraded its rating of the Company's trust preferred securities to Caa2
      from Caa3. Moody's stated its outlook for the ratings as "Stable."

                                       2
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 thereunto duly authorized.

                                       FREMONT GENERAL CORPORATION

     Date:  January 28, 2004           BY: /s/       Patrick E. Lamb
                                       -----------------------------------------
                                       Patrick E. Lamb, Senior Vice President,
                                       Controller and Chief Accounting Officer

                                       3