"the equal credit opportunity act (ecoa) prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance. creditors may ask for this information (except religion) in certain situations, but they may not use it to discriminate against you when deciding whether to grant you credit." -federal trade commission's facts for consumers according to the ftc, how does the ecoa empower individuals? a) credit cannot be denied based on unrelated factors. b) the ecoa ensures that all individuals are extended credit. c) creditors can deny extension of credit based on credit history. d) individuals can find creditors with similar beliefs and backgrounds.