Which is NOT a form of Illegal discrimination? A. A creditor develops a special credit program and special rates for borrowers over age 62. B. A written loan policy provides a 1/2% discount on loans to married couples. C. A creditor uniformly applies a neutral policy resulting in female borrowers receiving on average 1% higher loan rates than male borrowers. D. A creditor processes applications from African Americans in five days, but processes applications from Whites in three days. 4. Which item must you NOT consider when making a credit decision? A. Credit history B. Employment history C. Religion of the applicant D. Whether the applicant owns a home