I was told that Chase pulled Equifax and of course that is my lowest FICO number since it has the collections and doesn't have some beneficial accounts. I currrently have an auto loan through Chase. They checked my Experien FICO when I applied for that and approved me instantly at 5% interest.
it seems that your utilization is what did you in.
Pay it down, and then re-apply. Or call recon again and send them proof that you paid it down. Maybe they might be willing to reconsider you w/o having to pull a new CR.