Skip the independent girls that require deposits, even with reviews, ymmv.
It really is caveat emptor: if you want to meet up with a favorite star who is an independent, do lots of research!
I've only booked with independent porn stars I am a fan of, but only after lots of communication. I make it clear there will be no deposit until we've had a couple of video calls (I compensate them for their time on the calls) that allow us to get to know each other. After 2 or three 10-20min calls, we each have a good sense of the other, and have built a lot of trust - and mutual trust pays off big when you actually meet! I've found that it's quickly apparent what the 'vibes' are like between the two of us, even via email or text, and I've never been let down by the vibes. I'll then proceed or pass based on the vibe. The several times I passed because of the bad vibe, I later found reviews that they were likely scammers. It probably takes a bit more time, and I do put up a little bit of money as I pay for their time on video calls, I have 'lost' a bit of money after passing. But considering how many times i've watched their performances, I see it really more as a small thank you/tip for all the pleasure they've provided me over the years. And the ones I have met because of the good vibes, well the vibes only got better and better.