In a large bowl, whisk together eggs, 1 tablespoon water and ½ teaspoon each salt and pepper.
Heat oil or butter in a 10-inch nonstick skillet on medium. Add eggs and cook, stirring with a rubber spatula every few seconds, to desired doneness, 2 to 3 minutes for medium-soft eggs.
Fold in tortilla chips, pico de gallo, and pepper Jack.