Your application may not have been fully approved — but in most cases, it’s easy to fix!
Accounts are sometimes rejected for incorrectly putting your DOB or SS#, a mismatch in address on the application compared to your drivers license ( Your ID will need to be updated to reflect your current address) , a freeze has been added to your credit via Equifax (Freeze must be lifted)<ul><li>If there is a fraud victim alert or a temporary fraud alert on your credit file, manual review may be required, and Monorail may not be able to approve the application until the alert is resolved or removed.</li><li>Contact the credit bureau maintaining the fraud alert to check its status and resolve it if necessary to move forward with your application.</li><li>Locked or frozen Equifax credit files can also result in rejection due to security restrictions. Unfreezing your file through the Equifax website or mobile app will allow the clearing firm to reassess your case.</li></ul>, address is listed as a P.O box, or your linked bank account has less than $100.
✅ Next Steps: To restart the appeal process, we’ll need a clear image of your driver’s license or state-issued ID ( FRONT & BACK ) <ul><li>If your application was impacted by a credit file freeze or fraud victim alert, ensure those issues are resolved before restarting your application. See the specific steps in the relevant section.</li><li>Unfreeze or resolve the alert through the appropriate credit bureau to avoid future delays.</li></ul>
You can submit your ID, SS card, or Passport securely through this customer chat portal, in the app or on the website, or email it to us directly at support@monorail.com.
Once received, a support agent will confirm if there is any further documentation needed. we’ll pass it along to our clearing partner for review. Most appeals take up 48 business hours to overturn for approval. A support agent will then notify you when the clearing house has approved your application.
If you’re not sure what caused the rejection or need help reapplying, just let us know — we’re happy to walk you through it. 🇺🇸