How To Fix Navy Federal Membership Application Under Review

Are you stuck with a ‘membership application under review’ message from Navy Federal?

It can be a bit unsettling when you’re eager to start using your new account.

This status often means that Navy Federal Credit Union (NFCU) needs to verify your identity or that additional documentation is required.

In this article, we will guide you through the process of fixing your Navy Federal membership application under review.

How to Fix navy federal membership application under review?

Down below, we have discussed the solution in step-by-step detail.

1. Appeal the Membership Denial

If your application was denied, you have the right to appeal the decision.

To start the appeal process, you may need to submit a new application with all the required information.

This should include your household member’s access code if you’re eligible through family affiliation. Be aware that the appeal process may take up to 15 business days.

2. Check for Identity Verification Issues

One common reason for a membership application to be flagged for fraud is discrepancies in personal information.

Verify that the address on your application matches the one on your driver’s license and that your postal code is correct. If you find any errors, correct them and resubmit your application.

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To address identity verification issues with your Navy Federal membership application, follow these steps:

  • Review Your Application: Double-check that all personal details on your Navy Federal membership application are correct.
  • Check Your Driver’s License: Ensure the address on your driver’s license is the same as on your application. If not, update your information where necessary.
  • Verify Your Postal Code: Confirm that the postal code on your application matches that on your driver’s license. Correct any mistakes you find.

3. Review Your Credit Freeze

A credit freeze is a security measure that restricts access to your credit report, which can help prevent identity theft.

However, if NFCU needs to pull your credit report as part of the application process, a freeze can trigger their fraud detection systems. Before resubmitting your application, make sure to lift or update the credit freeze accordingly.

To review and manage your credit freeze before resubmitting your Navy Federal Credit Union (NFCU) application, take the following steps:

  • Check the Status of Your Freeze: Confirm that your credit is frozen with all three credit bureaus. You can usually check this online through each bureau’s Security Freeze Center.
  • Gather Your Information: Have your personal identification number (PIN) or password ready. This is what you would have received when you initially set up the credit freeze.
  • Contact the Credit Bureaus: Reach out to each of the three major credit bureaus:
    • Equifax: You can check the status of your freeze and unfreeze your credit either online or by calling 800-349-9960.
    • Experian: Review or lift your freeze by visiting their Security Freeze Center online, or call 888-397-3742.
    • TransUnion: You can manage your freeze online or by calling 800-916-8800.
  • Lift the Freeze Temporarily: Request a temporary lift of the freeze for NFCU. This can often be done for a specific creditor or for a certain period.
  • Keep Records: Note down any confirmation numbers or relevant details in case you need to refer to the lift request later.
  • Notify NFCU: Inform NFCU that the freeze has been lifted and provide any confirmation details if necessary.
  • Reapply: Once the freeze is lifted, you may proceed to reapply for the credit product.
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4. Contact Navy Federal Directly

If you’ve corrected your information and your application is still under review or denied, it might be helpful to contact NFCU directly.

You can ask for supervisor assistance, who may be able to explain the specific issue with your application and provide additional guidance on how to proceed.