Simply paying an invoice after its due date or having a debt transferred to collection does not lead to a non-payment record in your credit information. Consumers do not get non-payment records for unpaid invoices until a district court has ruled in the matter. The non-payment record is then visible for 2-4 years. Non-payment records make it more difficult not only to obtain credit, but also to get certain debit cards, telephone plans, insurance policies, to rent apartments and they can even affect your chances of getting a job.
If the debt is paid after receiving a non-payment record, the collection agency can, upon request, ask the credit information company to add a second record into your credit information, which shows that the debt has been paid in its entirety.