yeah Chase uses something similar to a Vantagescore.
your 572 was prob out of 990 compared to the 678 which was prob out of like 850.
I think my Chase score was like 649 out of 990 when I got approved for a $5k freedom.
CHECK YOUR REPORTS AND DISPUTE the bad accounts that arent yours!
you might be something called an OOPS!! haha congrats was 572 your score you pulled or the score they provided on the letter?