I have never had a problem with Acceptance Now, because I make my payment. I have used them 3 times and paid it off at 90 days twice and once through term.
I know i paid over retail value, but i was trying to build my credit. As long as you pay when due or have the money to pay off at 90 days you are ok. They have never called any references looking for me.
I didnt like the curtosity calls for payment reminders. Adults remember when their bills are due.