You said it went to public record, does that mean they sued you and got a court judgment against you? Or did you file bankruptcy?
I never file bankruptcy. They sue me a got court judgement against me 10 years ago.
Did you pay it? I've heard of Chase letting people back in after they burned them, but Chase doesn't forget. Might be a little easier to get back in if you paid what you owed previously. Have you tried their prequalifier on their website?
Chase has a very long memory and if even though it's not on your report, they remember whatever we do that involves them.
Exactly - memory of an elephant! OP, regardless if it falls off your CRs, Chase still keeps internal records. And, if you didn't pay it, then the odds are not stacked in your favor. If you elected to PIF then I'm sure at some point there's a possibility they *might* let you back in but it's all YEMV.