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Will a DUI Impact My Illinois Credit Score?

Have you been charged with a DUI in Illinois? If so, you may know that it can impact many areas of your life, from your relationships to your career. However, one thing many question is whether or not a DUI can affect their credit score. Because this is critical to consumers, understanding whether or not a criminal charge like a DUI will appear on your credit report is vital. If you were recently charged, this blog explores the impact this could have on your credit. Additionally, you’ll discover why connecting with a Peoria DUI lawyer is critical.

Can a DUI Directly Impact My Credit Score?

If you are charged with a DUI, it’s imperative to understand the impact this will have on your life. In general, a DUI will not appear on your credit report, and thus will not directly affect your credit. However, just because your DUI will not appear on the report does not mean your credit score will not suffer.

When you are charged with a crime like a DUI, you can face several financial hardships as a result. In Illinois, a first-offense DUI can leave you with a fine of up to $2,500, court fees, and lawyer costs. In some instances, this can result in up to $10,000 in fines and fees.

You should also understand that when you are charged with a DUI, your insurance company will increase your premium rates. This is because you will be considered a risky driver, meaning you are likely to be involved in an accident because of your driving history.

When you are overwhelmed with costs related to your DUI charge, you may find that keeping up with payments for costs related to the DUI and other regular expenses can become overwhelming. As a result, you may find that you can fall behind on payments, which will negatively impact your credit score.

What Should I Do if I’m Facing Charges?

Being charged with a DUI can be an incredibly overwhelming experience for many. Unfortunately, you may find that this one mistake can impact many areas of your life. If you are arrested for a DUI, one of the most important things you must do is remain silent. Unfortunately, many try to explain why the officer is incorrect, which may lead to you saying something incriminating. When interacting with the police, it’s imperative to inform them you wish to speak to an attorney and that you will exercise your right to remain silent.

When you need assistance, the team at Giraudo Law can help. We understand how overwhelming it can be to consider the impacts of a DUI, which is why we will explore all possible options to help you through these matters. Reach out to our team today to learn how we can assist you through these challenging matters.

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