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Generally they pull your true credit score when apping. If it's 15 pts lower, I wonder if something changed from the time they pulled it, to when you got it? Unless, to your question, they used a different scoring model, but I have chase also and don't recall an issue in the past with the scores they gave me.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |