I am self-employed, and of late I am sick of people not paying for my work


I know small claims court is there for such situations, but, a guy told me who was a manager of a shop, that anyone can put an entry on someone's credit details held with either equifax or experian. Is this true anyone?
Logically, if large companies can put stuff on there, why can't small companies or business people do the same. Cost is a consideration of course

Just winds me up, even in this downturn economically, I have my bills to pay as well....
Thanks in anticipation....