Nancy's credit report has been damaged by her creditors for late payment of her credit card bills. She had filed some disputes over some of the Chargers and wants to go to court under the federal fair credit billing Act. One of her creditors explain to Nancy that there isn't arbitration clause in her credit card are agreement. Nancy feels that she should not have to go to arbitration and that she deserves to have her day in court. 1. Nancy's correct Federal Credit laws prohibit arbitration 2. Nancy's correct she is the right to go to court 3. Nancy's incorrect she can be required to go to arbitration 4. Nancy can choose whether to go to court or arbitrate