How can a speeding ticket or traffic infraction damage your credit score?

While your ability to drive an automobile does not directly have anything to do with your credit score an unpaid ticket will affect your credit score in a negative way.

Dear Fair Credit Blog,

I received a speeding ticket while traveling from Jacksonville Florida to Philadelphia PA to visit a friend. I have not yet paid the traffic citation which mind you is labeled as a civil infraction and not a criminal infraction. I recently received a letter in the mail reminding me that if I do not pay the speeding ticket that Duval County will report it to a collection agency, which will in turn have a negative impact on my credit score. Can my credit really get damaged from not paying a speeding ticket?

Yours truly Joy Wells – Jacksonville Florida.

 

Hey Joy!

My advice to you is to definitely pay the ticket or dispute it in court but do NOT just ignore it as like the letter you received from the Orange County clearly states the unpaid speeding ticket which is seen as an unpaid debt will be given to a collection agency which will in turn have a negative impact on your credit score.

While traffic safety and credit scores are not directly related you can think of your ticket as an unpaid debt to the County that issued your traffic citation. Just with any financial lender, the County wants its money and will take legal steps to collect.

 

 

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