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L & T BROKERAGE

Trust Score

Fair Why this score?

Company CheckL & T BROKERAGE · DOT 4234990

4402 SAINT STEPHENS RD STE C, EIGHT MILE, AL, 36613

DOT# 4234990 MC# 1639057 Eight Mile, Alabama 2 years

BROKER

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Power Units

Drivers

Crashes (24-Month)

None on file

Insurance

Not Rated

Safety Rating

Inspections

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Public record

2 events tracked · latest Jul 13, 2026 ↓ Show details ↓

Safety & compliance 1

Sep 3, 2024
REVOKED PROPERTY BROKER.

Insurance 1

Current
No active insurance on file.

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

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address4402 SAINT STEPHENS RD STE C, EIGHT MILE, AL, 36613

Mailing Address4402 SAINT STEPHENS RD STE C, EIGHT MILE, AL, 36613-3538

Broker Surety Bond FMCSA BMC-84/85

Brokers must keep a $75,000 surety bond or trust fund on file with FMCSA. If it lapses, FMCSA revokes the broker’s authority, so an active bond is the key thing a carrier should verify before hauling for a broker.

Bond StatusNot on file

On File (FMCSA)None on file

VerifiedFMCSA · 07/07/2026

Required$75,000 (FMCSA min)

Last checked07/13/2026

TypeTrust Fund (BMC-85)

Surety / TrusteePACIFIC FINANCIAL ASSOCIATION, INC.

Contact☎ (800) 595-2615
🌐 pfaprotects.com

Bond cancelled Aug 25, 2024 by PACIFIC FINANCIAL ASSOCIATION, INC.. This company's broker authority is not currently active. FMCSA requires every broker to keep a $75,000 bond on file; after a cancellation, operating authority is typically revoked within weeks. Confirm current status in FMCSA's official records before booking.

Bond history

PACIFIC FINANCIAL ASSOCIATION, INC.Jun 2024 to Aug 2024 · CANCELLED

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Other Companies at This Address

Address4402 SAINT STEPHENS RD STE C, EIGHT MILE, AL 36613

Others here

Distinct phones

Active

Company	DOT	Phone	Status
L & T BROKERAGE this company	4234990	Sign in	Active
JW TRANSIT LLC	4096263	Sign in	Inactive

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypeAUTHORIZED FOR HIRE

Carrier OperationA - Interstate

DocketMC1639057

CommonNot Active

ContractNot Active

BrokerInactive

Operating2 years

Company Overview

PACIFIC FINANCIAL ASSOCIATION, INC. is an broker based in Eight Mile, Alabama. The company has been in operation for 2 years, registered with the FMCSA on 05/03/2024. The company has a clean safety record with zero reported crashes. Based on authority, insurance, safety, and compliance data, PACIFIC FINANCIAL ASSOCIATION, INC. has a Trust Score of 59/100 (Fair).

Drivers

Interstate

Intrastate

CDL

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Equipment

No equipment breakdown on file with FMCSA.

HazMatNo

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

Insurance

AmountNone on file

Type-

VerifiedFMCSA · 07/07/2026

Company-

Policy #-

Last checked07/13/2026

Quick Facts

StatusActive

TypeBroker

FleetN/A

DriversN/A

Operating2 years

MCS-15005/2024

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
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC.	NONE	$0	06/06/2024	08/25/2024	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC1639057	PROPERTY BROKER	GRANTED	06/12/2024	REVOKED	09/03/2024

No revocation records.

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

59/100

Fair

NOT 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 59

−25

−10

Starts at 100−41 totalFinal 59

No insurance or bond on file−25

MCS-150 update overdue−10

Limited operating history (1-3 years)−6

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

FMCSA shows coverage is required for this authority, but no active insurance or surety bond is on file as of 7/7/2026.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-25

No insurance or bond on file FAILS VERIFICATION

FMCSA shows insurance is required but no active insurance or surety bond is currently on file (per the latest FMCSA filing as of 7/7/2026).

-10

MCS-150 update overdue

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

-6

Limited operating history (1-3 years)

Authority granted about 2 year(s) ago.

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.

L & T BROKERAGE

Trust Score

Public record

Company Information

Contact Details

Broker Surety Bond FMCSA BMC-84/85

Other Companies at This Address

Operating Authorities

Company Overview

Drivers

Equipment

Safety Summary

Insurance

Quick Facts

Safety & Inspection Data

Licensing & Insurance

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