I'm disputing the items with the bureaus, but in the meantime I'd like to get a secured credit card. Of course, the banks I want to apply to say I can't be delinquent on any of my current accounts. I am current on everything, but I worry about being turned down because of the incorrect reporting of the discharged accounts. (And I know it will take months for the CRAs to fix this.) My question is: How are the items reported while the dispute is in process? Are they still listed as past due/charged off, or do they report as in dispute? Thanks.