ACS will report you to the credit bureau when they are not supposed to!!! I have never worked with anyone as horrible as ACS - if you ever get a loan with them pay it off or go with someone else. If you're a student, you may unknowingly accept an ACS loan. Every Rep I spoke with never had any idea of how to help or answer the most simple of questions. They told me that you DON'T need to make payments while you are in school, but constantly send letters in the mail for ways to pay (invoices dated while you're in... read full review »