A Telstra default on your credit file over a couple of hundred dollars sounds absurd — but it happens to thousands of Australians every year. You changed phone plans, moved house and forgot to return a modem, or got hit with an exit fee nobody told you about. Next thing you know, there’s a default on your credit file. And suddenly you can’t get a home loan. Over $200.

Why Telco Defaults Are So Easy to Overturn

Before any creditor — including Telstra, Optus, or Vodafone — can list a default on your credit file, they must follow specific rules under the Privacy Act. They must send you two written notices. They must give you specific timeframes to respond. They must include hardship information. Every step must comply with the Privacy Act’s credit reporting code to the letter.

The telcos are notorious for cutting corners on these notice requirements. That’s why telco defaults are some of the easiest to challenge and overturn — and why MyCRA Lawyers deals with them every single week.

The Legal Process That Removes Telco Defaults

When MyCRA Lawyers reviews a telco default, we audit the entire process the provider followed. Did they send both written notices? Were the timeframes correct? Was hardship information included? If any step was missed — and it often is — the default is invalid under the Privacy Act and must be removed entirely.

This isn’t about disputing the bill. It’s about holding the telco to the legal standard they’re required to meet before damaging your credit file.

Don’t Let a Phone Bill Stop You Buying a Home

With a 91.6% audited success rate and 1 in 3 defaults resolved in just 7 days, MyCRA Lawyers has been removing telco defaults for over 16 years. The process is fast, the results are proven, and qualifying defaults are backed by a Money Back G’Tee.

If Telstra, Optus, or Vodafone didn’t follow the correct process when they listed your default, it doesn’t matter whether you owe the money. The listing itself is invalid.

The bottom line: a $200 phone bill should not cost you a home loan. If a telco has defaulted you, there’s a very good chance they didn’t follow the rules — and that means the default can be removed.