On my journey back to good credit this is my second Chase approval. This time they approved me with a chargeoff (repo) and a collection (Portfolio Recovery = Evil). They pulled EX but I cant tell who else they pulled or if they pulled a second report. For my Ritz card they pulled EX and EQ. At this moment my EQ has three collections all Portfolio Recovery and the chargeoff. My EX score is 657 and the other 2 are 650ish. Approved for 5K. I can use that 40K points. Just wanted to share.
Enjoy your goodies
