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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 some credit scores offered by card issuers are different

Though there is a difference between a regular FICO score and the score that comes with your card, there is a benefit to having both …

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Is a bank loan or credit card better for your credit score?

FICO rewards those who mix up both loans and credit, but paying your bills on time every time is the most important factor …

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Tips to control card balances from creeping up

Closing all your cards just because you can’t control spending on them should be a last resort …

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How to get a collection agency to stop hassling you

Writing a cease-and-desist letter will stop a collection agency from contacting you, but it will also force their hand as to what legal steps to take …

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Sorry, no refunds from credit collectors

If you pay a shady credit collector you won’t be able to get your money back, despite questionable collection practices …

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