Can One Speeding Ticket Affect Your Credit Score?

by Neil Kokemuller
Accountability after a speeding violation can indirectly protect your credit.

In theory, a speeding ticket has no direct correlation with your credit worthiness. In fact, if you responsibly pay a ticket by its due date your credit score is unaffected. However, you can run into credit problems if you ignore or fail to pay your ticket in a timely manner.

Collections Implications

As with other types of bills or debts, a speeding ticket impacts your credit if the agency you owe reports you to a collections agency for nonpayment. Local, county and state governments have little sympathy for people who don't pay up. If you want to avoid collections and a negative credit report, you need to pay your ticket or contact the government office to make arrangements.

About the Author

Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.

Photo Credits

  • Stockbyte/Stockbyte/Getty Images