Consumer Warning
Hopkins Management Group in North Dakota
Important information for North Dakota consumers about HMG's rent-to-own financing and their credit reporting practices.
What HMG Offers in North Dakota
HMG offers rent-to-own financing for trailers in North Dakota.
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 North Dakota. 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 North Dakota 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.
North Dakota Consumer Protection Resources
North Dakota Consumer Fraud and Unlawful Credit Practices Act protects consumers.
North Dakota Attorney General
File a consumer complaint about Hopkins Management Group with the North Dakota Attorney General.
Phone: 1-800-472-2600
BBB - North Dakota
Check Hopkins Management Group's Better Business Bureau profile and file a complaint in North Dakota.
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 North Dakota
Take Action
If Hopkins Management Group has damaged your credit, you have the right to file complaints with regulatory agencies. Every complaint matters.
North Dakota Attorney General's Office: 1-800-472-2600
Frequently Asked Questions
Does Hopkins Management Group really not check your credit in North Dakota?
HMG advertises "no credit check" and "bad credit okay" for their rent-to-own financing in North Dakota. 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 North Dakota?
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 North Dakota, 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 North Dakota?
You can file a complaint with the North Dakota Attorney General by visiting their website or calling 1-800-472-2600. 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 North Dakota?
In North Dakota, Hopkins Management Group offers rent-to-own financing for trailers including 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 North Dakota consumer protection law?
North Dakota Consumer Fraud and Unlawful Credit Practices Act protects consumers. If HMG made misleading claims about credit reporting when you signed your agreement, this may constitute a deceptive trade practice under North Dakota 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 North Dakota?
Before signing any rent-to-own agreement with HMG in North Dakota, 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.