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Maybe Chase declined for a different reason than the credit score. For her income, we entered an amount based on expected investment income (interest, divs) and capital gains from our joint account. Not sure that is correct but there were no instructions and the question did not specify that only earned income should be included.

Chase should give her a reason letter telling her why they declined her. You need to see what that says. That said - if her TU credit score is 670 and she was applying for the Chase Sapphire Preferred, the credit scores to get approved for that card are usually 700+, so as already suggested, you should check to be sure that TU is really reporting the same accounts and history that the Experian report is.

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