I use Corner Escrow, Christy De La Torre and First American Title, Noah Prestwood.Good Investing...

She did confirm that she works there but can't disclose more info and I have to call corporate number.

The term does not include --(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.(7) The term "location information" means a consumer's place of abode and his telephone number at such place, or his place of employment.(8) The term "State" means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.15 USC 1692b

On all of this, check with your accountant as I am not one.2) C CORP: It will almost always not be worth it to you because a C corporation is double taxed.

I'd be willing to start an LLC or corporation if that further allowed me to remove them from my personal credit.

It is a tool used my large corporations to self insure or by organizations that are outside normal insurance markets.Look up captive insurance managers and you can find companies that will manage a captive or self insurance fund like you are discussing.

Don't do it or you could pierce the corporate veil, get a simple cash back card, then you don't have to worry about spending points on travel. 

In addition to due diligence and down payment, you will have to pay legal fees to properly form the corporate structure in compliance with securities regulations.

If you can't afford to have an attorney write a contract from the ground up, an option is to buy a pre-made contract from the American Institute of Architects: http://www.aia.org/contractdocs/index.htmI had to do a couple 200k+ projects on these AIA contracts back when I did remodeling with my dad - in every case we used these, it was on recommendation from an attorney and I never ran across an attorney that saw any need to modify an AIA contract.

Your success is ulitimately determined by you, not corporate management or shareholders.