Question: Stacy got divorced 6 years ago. When she remarried and applied for credit to buy a house, her TransUnion credit report said she was deceased. Where should she start to let people know that she's not dead?

Dave Ramsey's advice: Write to TransUnion with a certified letter, return receipt requested, saying you are challenging the inaccuracy on your credit report that you are dead, according to the Federal Fair Debt Collection Practices Act. They usually respond pretty quickly. The reason for the certified letter is that TransUnion has 30 days to fix the error, and the certified letter means you have proof of delivery and date. The fuse is lit at that point for them to clean this up.

• Hear the call!

Question: Trevor asks if you can put a block on a kid's credit report before he goes to college to the credit card companies can't get to him or her. Dave has some bad news for him.

Dave Ramsey's advice: No, there's not. That's part of them becoming an adult. When you give them car keys, you can't put a block on what they drive. The only block is you teaching and parenting. Even then, they can still make a stupid mistake, and stupid's not illegal. If it were, there would be a lot more jails!

• Hear the call!

Question: Bill received a phone call asking him to refinance his mortgage. He said no, but the person keeps calling. The last message left said it would be reported on his credit. He has no credit cards and is debt free except the house. He learned that banks check his credit report regularly.

Dave Ramsey's advice: They are doing a marketing check, or someone you do business with is a subsidiary of theirs is doing it. Once you've got a loan with someone, they have a business reason to check your credit. You can stop the checks by calling each of the credit bureaus and requesting that people can't check your credit. That will also reduce your junk mail.

• Hear the call!