Consumer Warning
Hopkins Management Group in Tennessee
Important information for Tennessee consumers about HMG's rent-to-own financing and their credit reporting practices.
What HMG Offers in Tennessee
HMG offers rent-to-own financing for both portable buildings and trailers in Tennessee.
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 Tennessee. 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 Tennessee 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.
Tennessee Consumer Protection Resources
Tennessee Consumer Protection Act prohibits unfair or deceptive practices. The AG office accepts complaints online.
Tennessee Attorney General
File a consumer complaint about Hopkins Management Group with the Tennessee Attorney General.
Phone: 615-741-4737
BBB - Tennessee
Check Hopkins Management Group's Better Business Bureau profile and file a complaint in Tennessee.
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 Tennessee
Take Action
If Hopkins Management Group has damaged your credit, you have the right to file complaints with regulatory agencies. Every complaint matters.
Tennessee Attorney General's Office: 615-741-4737
Frequently Asked Questions
Does Hopkins Management Group really not check your credit in Tennessee?
HMG advertises "no credit check" and "bad credit okay" for their rent-to-own financing in Tennessee. 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 Tennessee?
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 Tennessee, 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 Tennessee?
You can file a complaint with the Tennessee Attorney General by visiting their website or calling 615-741-4737. 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 Tennessee?
In Tennessee, 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 Tennessee consumer protection law?
Tennessee Consumer Protection Act prohibits unfair or deceptive practices. The AG office accepts complaints online. If HMG made misleading claims about credit reporting when you signed your agreement, this may constitute a deceptive trade practice under Tennessee 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 Tennessee?
Before signing any rent-to-own agreement with HMG in Tennessee, 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.