Under the Equal Credit Opportunity Act, which statement below is correct?

A creditor may ask an applicant his$/$her marital status as this factors into income and ability to repay a loan.

As long as an applicant is earning income from any source, $\frac{s}{h}e$ will be entitled to some amount of credit.

When a creditor refuses to extend credit, the applicant can demand to know, and get, the reason for denial.

A creditor may ask an applicant how many children s$/$he has, or plans to have. Kids impact repayment ability.