How to Test Your T1?

lawpoop asks: "We have a T1 line for our building with a local ISP. Right now, we're looking for competitive bids from different companies. The local guy is offering a good price, but the larger guys are saying he may be overselling the T1 service through a DS-3. He swears he's not. So, how do I tell? The sales guys say 'There's bandwidth meters on the web,' but they fail to mention exactly how I can tell if I have a true T1. I've tried a half-dozen bandwith meters on various websites, and the results are highly variable. We've gotten 300-900 Kbps. Each site has disclaimers as to internet traffic, time of day, etc. Furthermore, we split the T1 out over a hub with two other tenants in the building. I'm coming through from behind that hub. How can I tell for certain that I'm getting a full T1? A service tech with a line tester? Any dead-on bandwith meters? What would an oversold T1 read out to be as compared to a true T1? If the larger guys are trying to scare me to their service with stories of oversold T1s, I need to know that they aren't doing it also!"