A few follow up question about Chase and EX.
Has anyone gotten instant approval from Chase after freezing EX (assuming it pulls EX and TU by default), or does it always lead to recon? If the latter, how much more complicated is the process? Do they ask why you froze EX? If so, what do you say?
My EQ has virtually no activity, so it would be great if Chase looks at that instead of EX. Or better yet, skip it altogether and just look at my TU, which is also sparse.