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VALIDATED

DIRECTBUY HOME IMPROVEMENT INC

Trust Score

Excellent Why this score?

Company CheckDIRECTBUY HOME IMPROVEMENT INC · DOT 3047125

DBA: DIRECT BUY

8450 BROADWAY, MERRILLVILLE, IN, 46410

DOT# 3047125 MC# 21862 Merrillville, Indiana 8 years

MOTOR CARRIER

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Power Units

Drivers

Crashes (24-Month)

Not reported

Insurance

Not Rated

Safety Rating

Inspections

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Deep records on this carrier, only on LoadWrap

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

Public record

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

Identity & ownership 1

Aug 18, 2026
DBA name changed.

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

Contact Details

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Physical Address8450 BROADWAY, MERRILLVILLE, IN, 46410

Mailing Address8450 BROADWAY, MERRILLVILLE, IN, 46410

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationC - Intrastate (Non-Hazmat)

DocketFF021862

CommonNot Active

ContractInactive

BrokerNot Active

Operating8 years

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Quick Facts

StatusActive

TypeMotor Carrier

Operating8 years

MCS-15009/2017

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg5.5%

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
84	SURETY	WESTCHESTER FIRE INSURANCE COMPANY	K09653338	$0	09/12/2017	04/16/2019	Replaced
84	SURETY	WESTCHESTER FIRE INSURANCE COMPANY	K09653338	$0	09/12/2017	05/22/2019	Name Changed
84	SURETY	NORTH AMERICAN SPECIALTY INS CO	2290259	$0	07/31/2019	05/09/2021	Cancelled
84	SURETY	WESTCHESTER FIRE INSURANCE COMPANY	K09653338	$0	04/16/2019	07/31/2019	Replaced

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
FF021862	PROPERTY FREIGHT FORWARDER	GRANTED	09/29/2017	REVOKED	03/24/2021
FF021862	CONTRACT	INVOLUNTARY REVOCATION	04/19/2019	DISCONTINUED REVOCATION	04/17/2019

No revocation records.

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See the full history

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

90/100

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 90

−10

Starts at 100−10 totalFinal 90

MCS-150 update overdue−10

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

Active for-hire authority on file, FMCSA requires insurance to keep it active.

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).

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.