What are the policies of the independent vs the agency girls. Do the independents verify on their own ?

You will see that any good indie provider screens. In fact, most of them screen much more thoroughly than agencies do.

For the most part, independent ladies give you more value for your hard earned ca$h.

I am going to try and set up an appointment with one of the independents, wish me luck hehe

I prefer indies who have websites & ter reviews.
Not having a website is not always a deal breaker, but not being reviewed is. Verification is usually the norm with well reviewed indies.