Movers carry chargeback rates that scare banks — deposits taken weeks out, final bills that grow in transit, and "my couch is damaged" disputes with no evidence either way. A DOT number, written binding estimates, and a signed bill of lading at delivery flip those disputes — and the underwriting.
Licensed interstate movers (DOT/MC numbers) run ~3.3–4.2%. Brokers price higher than carriers — banks read broker files harder.
DOT/MC registration, binding vs non-binding estimate forms, deposit policy, and your claims process for damage disputes.
Signed BOL + photo inventory at both ends wins "services not as described" disputes almost every time. We'll set your evidence pack template.