I just took my chances with Chase bank after being denied 2 years ago. I got the 30 day message on the automated line (1-888-338-2586) However I saw that they pulled TU and EX so I decided to call their "LENDING" dept. The agent was very frienddly and said they needed to verify some information (don't knkow what information because he never asked me apart from my SSN) he placed me on hold for 10 seconds and "CONGRATULATIONS" I was approved with a $3,100 SL. If you get a message dont hesitate and CALL THEM .
