[{"data":1,"prerenderedAt":81},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-credit-report-surprise":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":50,"prev":79,"next":80},{"name":5,"tagline":6,"title":7,"description":8,"guideTitle":9,"guideDescription":10,"ogImage":11,"disclaimer":12,"practicePitch":13,"citationsTitle":14},"Free MHIC Training","Maryland home improvement exam prep","Free MHIC Exam Prep: Maryland Home Improvement Contractor Practice","Free, narrated MHIC exam prep: 147 real Maryland contractor scenarios, every choice explained, with the law cited where it applies.","MHIC Exam Study Guide","Every scenario in the free Maryland Contractor Simulator, written out as a practice question: the situation, your options, how each choice plays out, and the Maryland law where it applies.","/og/free-mhic-training.png","Free MHIC Training is free study material for the Maryland home improvement contractor exam. It is not affiliated with the Maryland Home Improvement Commission and is not legal advice.","The free Maryland Contractor Simulator puts you in situations like these across a 40-day contracting career, narrated, with your license on the line. No account needed.","Law and codes cited",{"slug":16,"title":17,"subtitle":18,"description":19,"maxTurns":20,"characterCount":21,"scenarioCount":22},"maryland-contractor-simulator","Maryland Contractor Simulator","Learn the law by living it.","You just got your MHIC license application approved and you're starting your home improvement business in Maryland. Navigate real contractor scenarios — contracts, permits, clients, subcontractors, and inspectors. Every choice teaches you the law through consequence, not memorization. Master all five exam areas to pass.",40,20,147,{"slug":24,"title":25},"licensing","MHIC Licensing & Renewal",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":34,"speakerDescription":34,"speakerAvatar":34,"audioUrl":35,"choices":36,"citations":47},"credit-report-surprise","Why does the MHIC review your credit report?","To judge your financial responsibility. COMAR 09.08.01.19 makes a credit report part of licensing and renewal, so answer the Commission's questions promptly…","To judge your financial responsibility. COMAR 09.08.01.19 makes a credit report part of licensing and renewal, so answer the Commission's questions promptly and show how any problem was resolved; ignoring them is a separate violation.",[32,33],"During your license renewal process, the MHIC reviews your credit report. It shows two late payments on your business line of credit and a collections account from a materials supplier you forgot about.","The Commission sends you a letter requesting an explanation.",null,"/media/voices/credit_report_surprise.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"Respond promptly with a written explanation, proof that the collections account has been resolved, and evidence of your current financial solvency. Acknowledge the issues and show corrective action","best","Correct","COMAR 09.08.01.19 requires a credit report as part of the licensing process. The MHIC uses it to assess financial responsibility. Two late payments aren't necessarily disqualifying, but a collections account is serious. Responding promptly with documentation of resolution and current solvency demonstrates accountability. The Commission is more likely to approve renewal when you acknowledge problems and show they're fixed.",{"text":43,"verdict":44,"label":45,"explanation":46},"Ignore the letter — credit issues are personal financial matters, not MHIC business","wrong","Wrong","Your credit report IS the MHIC's business during licensing and renewal (COMAR 09.08.01.19). Financial responsibility is a licensing requirement. Ignoring the Commission's request triggers COMAR 09.08.01.27 (Failure to Respond), which is an independent basis for disciplinary action. You've now turned a credit explanation into a non-response violation.",[48,49],"COMAR 09.08.01.19","COMAR 09.08.01.27",[51,54,57,60,63,66,69,72,73,76],{"slug":52,"title":53,"topic":24},"first-day-as-contractor","What should a new MHIC contractor do before the first job?",{"slug":55,"title":56,"topic":24},"insurance-lapse","What happens if your contractor liability insurance lapses in Maryland?",{"slug":58,"title":59,"topic":24},"financial-solvency-check","How do you meet the MHIC financial solvency requirement at renewal?",{"slug":61,"title":62,"topic":24},"license-renewal-process","What does the MHIC require to renew a contractor license?",{"slug":64,"title":65,"topic":24},"corporate-license-question","Do you need to update your MHIC license when you form an LLC?",{"slug":67,"title":68,"topic":24},"address-change","Do you have to tell the MHIC when your business address changes?",{"slug":70,"title":71,"topic":24},"mhic-website-verification","What if the MHIC lookup shows your old business name?",{"slug":27,"title":28,"topic":24},{"slug":74,"title":75,"topic":24},"outstanding-obligations","Can unpaid supplier bills put your MHIC license at risk?",{"slug":77,"title":78,"topic":24},"annual-license-audit","How should a contractor respond to an MHIC compliance audit?",{"slug":70,"title":71,"topic":24},{"slug":74,"title":75,"topic":24},1792184484118]