Consumer Warning
Hopkins Management Group in Kentucky
Important information for Kentucky consumers about HMG's rent-to-own financing and their credit reporting practices.
What HMG Offers in Kentucky
HMG offers rent-to-own financing for both portable buildings and trailers in Kentucky.
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 Kentucky. 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 Kentucky 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.
Kentucky Consumer Protection Resources
Kentucky Consumer Protection Act covers deceptive trade practices. Complaints can be filed through the AG's Consumer Mediation Form.
Kentucky Attorney General
File a consumer complaint about Hopkins Management Group with the Kentucky Attorney General.
Phone: 1-888-432-9257
BBB - Kentucky
Check Hopkins Management Group's Better Business Bureau profile and file a complaint in Kentucky.
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 Kentucky
Take Action
If Hopkins Management Group has damaged your credit, you have the right to file complaints with regulatory agencies. Every complaint matters.
Kentucky Attorney General's Office: 1-888-432-9257
Frequently Asked Questions
Does Hopkins Management Group really not check your credit in Kentucky?
HMG advertises "no credit check" and "bad credit okay" for their rent-to-own financing in Kentucky. 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 Kentucky?
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 Kentucky, 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 Kentucky?
You can file a complaint with the Kentucky Attorney General by visiting their website or calling 1-888-432-9257. 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 Kentucky?
In Kentucky, 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 Kentucky consumer protection law?
Kentucky Consumer Protection Act covers deceptive trade practices. Complaints can be filed through the AG's Consumer Mediation Form. If HMG made misleading claims about credit reporting when you signed your agreement, this may constitute a deceptive trade practice under Kentucky 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 Kentucky?
Before signing any rent-to-own agreement with HMG in Kentucky, 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.