That is a very good point I would say, I personally dont have the ticket just read a earlier post, but neglect on small things do lead to bigger neglect which you are right, but I think every case is different, meaning I went to renew my plates 2years ago and on my file there was a parking ticket, I never seen it on the truck which I explained to them and of course it didnt matter it was still there, so I paid it, this was in Toronto, now I hear in Edmonton it would have actually gone to collections, after a few months and just to think that would have had an affect on my credit score all because it either blew off or some punk kid thought it would be funny to take it off my truck, so point being is not everything is black and white and there is unfortunate things that happen to people, i.d. theft etc. But as you said if someone totally neglects things then yes what else do they neglect!