It depends on the company to whom the debt is owed and how overdue the debt is.

To be listed on a company's credit file, a debt must be at least 60 days overdue, however not all company's list collection activities with a credit bureau. So although a debt may be more than 60 days overdue and a collection agency may have been called in to chase the outstanding account, the collections activity may not appear on a company's credit report.

However, if the company to which the debt is owed opts to proceed with legal action, this event will automatically be listed on the company's credit report.