Two months from now, Rafael plans to move out of his brother’s house and rent an apartment of his own. He realizes that any potential landlord will probably review a copy of his credit report. So Rafael requests a free copy to review himself. As he studies the report, he sees that it contains a major error. It says that he’s 120 days late in paying $1,275 to a national chain clothing store … where he’s never shopped!
Given Rafael’s situation, which decision do you think is best for him?