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What part of the world are you from? In our area, San Diego building code writ says we have to keep all hardscapes 2" under the weep screed of the stucco (the same as the siding bottom in a home) and 4" for areas with dirt.
Several reasons for this, but mold is one you don't want to even mess with if you can avoid it. You have to have an air to light transference in order to let the siding vent properly.
Without seeing your particular situation, I can only speculate, but what I would do is keep the dirt well under the siding, and slope it away from the home. Is there any rise from where your home is over the ground now? If it is flat, rather thahn building a wall, I would just plant for some texture and interest and call it a day.
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Bill Schwab
In the year 1491, if the Naturescape Landscape Company did the site work in Pisa, Italy, they would not be calling it the "leaning" tower.
Encinitas, Ca. 92024
www.naturescapelandscape.com
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