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Erica Sandberg

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Erica Sandberg

Erica Sandberg is a nationally recognized credit and money management authority with 15 years of experience delivering personal finance and industry information to consumers, businesses, the media and in courts of law. During her tenure at Consumer Credit Counseling Service of San Francisco, she helped thousands of individuals and families improve their economic standing, led countless educational seminars and acted as the agency's primary public relations spokesperson.

Today, as a journalist and expert, Erica's articles and insight are featured in such publications as The Wall Street Journal, Money Magazine, New York Daily News, Redbook, Bank Investment Consultant, Men's Health, Fox Business News, and She is a City Brights writer for the San Francisco Chronicle's online edition, SFGate, and a columnist and reporter for A regular television and radio commentator, Erica is a frequent guest on Bay Area networks, as well as such national news outlets as ABC News GoodMoney, CBS MoneyWatch, PBS Nightly Business Report and Forbes Video Network.

Prior to her work in consumer finance, Erica taught English and literature in several Northern California high schools. She holds a B.A. in Art History from San Francisco State University, a certificate in personal financial planning from University of California, Berkeley, and a certificate in consumer credit counseling. Erica is a member of the Society of American Business Editors and Writers and the National Society of Newspaper Columnists, and sits on the advisory board for Change Starts at Home.


Erica Sandberg's articles at

How to make the most of a new travel rewards card

Charge what is required to secure the one-time bonus and make payments on time, then you will be on your way to getting your plane tickets…

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Debt settlement unlikely until you're behind on payments

That doesn’t mean you can’t try, but settlements have their downsides…

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How hard inquiries hurt your credit score

Applying for a loan or credit card will trigger a hard inquiry, which will ding your score temporarily…

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How a speeding ticket can ding your credit score

Pay fine before it gets turned over to collections, which is when it will hit your credit reports…

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2 ways to slay your debt dragon and a bonus DIY plan

Consolidation loans and balance transfers have upsides and downsides, or you can craft your own plan to ease your debt load…

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