In addition to the negative accounts the following accounts are perfect: FNB Visa ($500 limit) since 04/00... Orchard ($300 limit) since 05/00..Wells Fargo car loan ($14,000 balance)since 06/00..and Chevron ($300 limit) since 08/00. I have two other all-positive cards but they are not being reported to Trans Union. Are there any major cards that pull Trans Union only and accept my history? I tried Chase and they only pulled Trans Union. However, they don't approve charge-offs.