We only check credit for clients who request payment terms. That check pretty much consists of their checks clearing 2-3 times, a couple references, and what kind of impression we get from them. I don't actually pull credit on anyone, and we're pretty strict about cutting people off if they pay late. 30-day terms means 30 days, not 45.
The hourly rate is the same for remote and on-site, but on-site has a 1hr minimum and a travel fee. Remote is only a 15 minute minimum.
I could see not posting your reviews if they aren't stellar, but for us it's one of our main selling points. It's easy to switch off though if that ever became an issue. I can also moderate which reviews get posted (can't change the overall star rating though) so I can hide any troll reviews from the website itself.
Making separate city pages was entirely motivated by SEO. There are some BIG caveats though for anyone who comes across this. You can't just slap the same content up and change out the city name or you'll seriously piss off Googlebot. I had to write unique content for each page, which was a huge pain in the neck. It's still not as unique as I'd like, but my plan is to roll out the site for now and pick a page a week to really refine. After I get over my burnout that is . . .