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VALIDATED

ADVANCED FINANCIAL SERVICES LLC

Trust Score

Excellent Why this score?

Company CheckADVANCED FINANCIAL SERVICES LLC · DOT 1728347

DBA: ADVANCED FINANCIAL SERVICES AFS

468 HUBER AVE, WILLIAMSTOWN, NJ, 08094

DOT# 1728347 MC# 834414 Williamstown, New Jersey 13 years

CARRIER Legal name changed · Aug 18, 2026

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Power Units

Drivers

Crashes (24-Month)

$1,000,000

Insurance

Not Rated

Safety Rating

Inspections

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Deep records on this carrier, only on LoadWrap

SMS BASIC Scores→ Safety & Inspections→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

3 events tracked · latest Aug 18, 2026 ↓ Show details ↓

Identity & ownership 1

Aug 18, 2026
Company legal name changed.

Safety & compliance 2

Jun 29, 2026
Roadside inspection, 2 violations (no OOS).
Sep 16, 2025
Roadside inspection, 1 out-of-service violation.

Public FMCSA record · blue clean · orange change · red risk.

Contact Details

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EmailSign in to view

Physical Address468 HUBER AVE, WILLIAMSTOWN, NJ, 08094

Mailing AddressPO BOX 152, WILLIAMSTOWN, NJ, 08094

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC834414

CommonActive

ContractNot Active

BrokerNot Active

Operating13 years

Operation Classification

Authorized For Hire

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.

Unsafe Driving

measure .64 · 1 insp with violations

Below cutoff

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 5 · 2 insp with violations

Below cutoff

Source: FMCSA SMS, updated monthly.

Mileage

Annual Mileage250,000 miles

Mileage Year2023

VMT SourceMCS-150 Form

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS100.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

Amount$1,000,000

Type91X

Effective04/20/2026

CompanyCUMIS INSURANCE SOCIETY INC

Policy #327069-000

Last checked09/11/2026

Quick Facts

StatusActive

TypeCarrier

Fleet5 units

Drivers5

Mileage250,000 mi

Operating13 years

MCS-15005/2024

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total1

Out of Service1

OOS Rate100.0%

National Avg5.5%

Above National Average

Vehicle Inspections

Total1

Out of Service0

OOS Rate0.0%

National Avg20.7%

Below National Average

Safety Trends by Year

Roadside inspections and crashes on file, year over year. The red portion of each inspection bar is the out-of-service share; ▲/▼ compares to the prior year.

Inspections · red = OOS

2025

1 · 1 OOS -

2026

1 · 0 OOS ▼

Crashes

No crashes on record.

Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.

Out-of-Service Summary Last 24 months

Live FMCSA roadside inspections through Jun 2026, 2 inspections, 1 resulted in out-of-service (50% OOS rate).

Driver Out-of-Service 1 OOS

Live FMCSA roadside inspection records, refreshed monthly.

Roadside Violations by Safety Category Last 24 months

5 roadside violations across 2 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.

ViolationsOut-of-service

Vehicle Maintenance 3 violations · 1 OOS

Unsafe Driving 2 violations · 0 OOS

Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.

Inspection Records (2)

Date	State	Level	Location	Violations	OOS	Driver Viol	Driver OOS	Vehicle Viol	Vehicle OOS	HazMat
06/29/2026	PA	Full (Level I)	PHILADELPHIA PA	2	0	1	0	1	0	-	▲Detail
09/16/2025	PA	Walk-Around (Level II)	ON I-95 N 751 FEET EAST OF UNN	3	1	2	1	1	0	-	▲Detail

Safety Performance Percentiles

FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.

Total Inspections2

Unsafe Driving 1 viols

Vehicle Maintenance 2 viols

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP1625288-01	$1,000,000	08/03/2018	04/20/2020	Replaced
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000067 01	$1,000,000	07/18/2013	07/18/2013	Replaced
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000067 01	$1,000,000	07/18/2013	02/19/2014	Cancelled
91X	BIPD/Primary	AMERICAN ALTERNATIVE INSURANCE CORPORATION	H7A2TP0000067 01	$1,000,000	07/18/2013	05/28/2015	Cancelled
91X	BIPD/Primary	DRIVE NEW JERSEY INSURANCE COMPANY	CA 3024801	$1,000,000	06/01/2015	06/01/2015	Replaced
91X	BIPD/Primary	DRIVE NEW JERSEY INSURANCE COMPANY	CA 3024801	$1,000,000	06/01/2015	04/23/2016	Replaced
91X	BIPD/Primary	FALLS LAKE NATIONAL INSURANCE COMPANY	FLNCA011000029-01	$1,000,000	04/23/2017	04/23/2017	Replaced
91X	BIPD/Primary	FALLS LAKE NATIONAL INSURANCE COMPANY	FLNCA011000029-01	$1,000,000	04/23/2017	07/31/2017	Cancelled
91X	BIPD/Primary	FALLS LAKE NATIONAL INSURANCE COMPANY	FLNCA011000029-01	$1,000,000	04/23/2017	04/09/2018	Cancelled
91X	BIPD/Primary	FALLS LAKE NATIONAL INSURANCE COMPANY	FLNCA011000029-00	$1,000,000	04/23/2016	04/23/2017	Cancelled
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP179899905	$1,000,000	04/20/2024	04/20/2025	Replaced
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP1798999-04	$1,000,000	04/20/2023	04/20/2024	Replaced
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP179899903	$1,000,000	04/20/2022	04/20/2023	Replaced
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP179899902	$1,000,000	04/20/2021	04/20/2022	Replaced
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP179899901	$1,000,000	04/20/2020	04/20/2021	Replaced
91X	BIPD/Primary	WESCO INSURANCE COMPANY	WPP1625288-01	$1,000,000	04/20/2018	07/30/2018	Name Changed

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC834414	MOTOR PROPERTY COMMON CARRIER	REINSTATED	08/10/2018	-	-
MC834414	MOTOR PROPERTY COMMON CARRIER	GRANTED	08/07/2013	REVOKED	06/03/2015
MC834414	MOTOR PROPERTY COMMON CARRIER	REINSTATED	06/09/2015	REVOKED	04/16/2018
MC834414	MOTOR PROPERTY COMMON CARRIER	REINSTATED	05/09/2018	REVOKED	07/30/2018
MC834414	COMMON	INVOLUNTARY REVOCATION	03/27/2017	DISCONTINUED REVOCATION	04/21/2017
MC834414	COMMON	INVOLUNTARY REVOCATION	01/23/2014	DISCONTINUED REVOCATION	02/18/2014

No revocation records.

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Trust Score over time and the complete authority and insurance timeline, not just today.

85/100

Excellent

VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown, from 100 to 85

−10

Starts at 100−15 totalFinal 85

MCS-150 update overdue−10

Driver out-of-service rate above national average−5

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Authorized for hire

Holds active for-hire (common or contract) authority.

Active insurance on file

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-10

MCS-150 update overdue

The required biennial MCS-150 update has not been filed on time (score factor, not a verification failure).

-5

Driver out-of-service rate above national average

Driver OOS 100% vs national avg 5.51%.

Where this company lands, risk scales

Driver out-of-service rate−5 of 5

0 pts · low risk−5 pts · high risk

Driver OOS 100% vs national avg 5.51%.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

ADVANCED FINANCIAL SERVICES LLC

Trust Score

Public record

Company Information

Contact Details

Operating Authorities

Operation Classification

SMS BASIC Scores

Mileage

Drivers

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Safety Trends by Year

Out-of-Service Summary Last 24 months

Roadside Violations by Safety Category Last 24 months

Inspection Records (2)

Safety Performance Percentiles

Licensing & Insurance

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