<p>Does having unpaid library fines (specifically NYPL) affect your credit score?</p>
<p>I know that some libraries (maybe not NYPL specifically) get collection agencies to make people pay their fines, after a certain amount of time elapses. I would assume that this would affect your credit score. Otherwise, I don’t think so.</p>
<p>To my understanding they only report it to collections (and only some libraries even go this far), if the fines are over $50. And even in collections, it may not be reported to a credit bureau if the total is small.</p>