Consumer Warning
Hopkins Management Group in Alabama
Important information for Alabama consumers about HMG's rent-to-own financing and their credit reporting practices.
What HMG Offers in Alabama
HMG offers rent-to-own financing for both portable buildings and trailers in Alabama.
Portable Buildings
Storage sheds, barns, cabins, and other portable structures offered through rent-to-own financing.
Storage Sheds
Outdoor storage sheds available through rent-to-own programs.
Utility Trailers
Flatbed and utility trailers for hauling equipment, materials, and more.
Gooseneck Trailers
Heavy-duty gooseneck trailers for commercial and agricultural use.
Dump Trailers
Hydraulic dump trailers for construction, landscaping, and hauling.
Cargo Trailers
Enclosed cargo trailers for secure transport of goods and equipment.
The Credit Reporting Truth
“Will not hurt your credit”
Hopkins Management Group reports negative payment history to credit bureaus in Alabama. Late or missed payments on your rent-to-own agreement can significantly lower your credit score.
“Bad credit okay - no credit check needed”
While HMG may not run a hard credit check upfront for Alabama customers, they report to credit bureaus. This means your payment history becomes part of your credit record, and any negative marks can follow you for up to seven years.
Alabama Consumer Protection Resources
Alabama's Deceptive Trade Practices Act protects consumers against misleading business practices.
Alabama Attorney General
File a consumer complaint about Hopkins Management Group with the Alabama Attorney General.
Phone: 1-800-392-5658
BBB - Alabama
Check Hopkins Management Group's Better Business Bureau profile and file a complaint in Alabama.
Consumer Financial Protection Bureau
File a federal complaint about HMG's credit reporting practices with the CFPB.
Phone: 1-855-411-2372
Federal Trade Commission
Report deceptive marketing claims to the FTC.
Phone: 1-877-382-4357
Cities in Alabama
Take Action
If Hopkins Management Group has damaged your credit, you have the right to file complaints with regulatory agencies. Every complaint matters.
Alabama Attorney General's Office: 1-800-392-5658
Frequently Asked Questions
Does Hopkins Management Group really not check your credit in Alabama?
HMG advertises "no credit check" and "bad credit okay" for their rent-to-own financing in Alabama. While they may not run a traditional hard credit inquiry before approving you, this does not mean your credit is safe. HMG reports payment activity to credit bureaus, meaning late or missed payments will appear on your credit report and damage your score.
Can HMG hurt my credit score in Alabama?
Yes. Despite marketing claims that their financing "will not hurt your credit," Hopkins Management Group reports negative payment history to credit bureaus. If you fall behind on payments for a portable building or trailer in Alabama, it can result in derogatory marks on your credit report that remain for up to seven years.
How do I file a complaint against HMG in Alabama?
You can file a complaint with the Alabama Attorney General by visiting their website or calling 1-800-392-5658. You should also file complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). Each complaint creates a public record and increases regulatory scrutiny.
What rent-to-own products does HMG offer in Alabama?
In Alabama, Hopkins Management Group offers rent-to-own financing for portable buildings (including storage sheds) and trailers (utility, gooseneck, dump, and cargo trailers). All products are marketed with claims like "no credit check" and "will not hurt your credit."
What are my rights under Alabama consumer protection law?
Alabama's Deceptive Trade Practices Act protects consumers against misleading business practices. If HMG made misleading claims about credit reporting when you signed your agreement, this may constitute a deceptive trade practice under Alabama law. You have the right to file complaints with state agencies and may be entitled to remedies including damages.
Should I sign a rent-to-own agreement with Hopkins Management Group in Alabama?
Before signing any rent-to-own agreement with HMG in Alabama, understand that despite their marketing, your payment history may be reported to credit bureaus. Read the full contract carefully, ask specifically whether they report to credit bureaus, and get any promises about credit reporting in writing. Consider alternative financing options that are transparent about credit reporting.