Our solutions to 16 financial problems that tie you in knots. By the editors of Kiplinger's Personal Finance August 6, 2012 Are you tied up in knots over hassles such as getting through to your credit card company, gaining access to family health records, fixing an error on your credit report, changing telecom providers, or even changing your name?We have no-nonsense solutions to help you solve 16 financial problems. Use our tips to walk away from the hassles that tie you in knots. Banking & Credit Switch to a Bank With Lower Fees If you’re ready to act, here’s what you need to do. Build Your Credit Record as a Young Adult Follow these tips for getting your first credit card or car loan. Sponsored Content How to Fix an Error on Your Credit Report Order your reports from the credit bureaus and follow these steps to correct any mistakes. Advertisement Cable & Phone How to Get a Better Deal on Cable If you can't negotiate a deal with your current provider, follow these steps to score savings with another company. How to Move Your Mobile Phone to a New Plan Here's what you need to do if you watch to switch carriers without buying a new phone. Cars Advertisement How to Turn in a Leased Vehicle Early There are companies that can help you transfer a lease to someone else. How to Renew Lapsed Auto Insurance Look into state laws that might protect you against a rate hike, and shop for coverage through an independent insurance agent. Family Matters How to Change Your Name Here's the paperwork you'll need to tackle if you're newly wed or newly single. Advertisement How to Monitor Your Kid’s Grades College students must give schools permission to provide educational records to their parents. Health Care Find Health Insurance Even If You Have a Preexisting Condition You can continue coverage through COBRA or possibly through a state high-risk insurance pool. How to Evaluate Your Medicare Options The Medicare Web site has a tool that makes it easy to find the best plan for you. Advertisement Get Health Information on a Family Member There's a special form you need to sign to get around privacy rules. Identity Theft How to Deal With a Stolen Wallet Take a tally of what's in your wallet now so you'll be prepared if something happens to it. Bypass Phone Menu Hell Here's how to reach a real person if your credit card is stolen or you need help with a financial emergency. Investing How to Consolidate Your Investment Accounts Be aware of the tax consequences, transaction fees and transfer charges if you move your money. Mortgage How to Refinance Your Home if You’re Underwater Two government programs can help homeowners who qualify get lower rates.