Indeed, but you have several FICO scores. You have a file at each of the three credit bureaux, and the information in those files is not identical because all lenders do not report all accounts to all three. Each bureau calculates a FICO score based on the information in their file, and the calculation is different depending on the purpose for which it is requested (e.g. credit card, auto loan, mortgage).

To understand what has happened at Chase you need to see your credit reports -and- you need to know which of the three Chase used to make the decision. Chase should be able to tell you, or you may be able to puzzle it out from looking at the reports.

You can learn about FICO scores here...

http://www.myfico.com/CreditEducation/