Scenario: Finding an error

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?