A secured card is a low-risk alternative to traditional credit cards, allowing the user to build — or rebuild — a credit history…
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, MSNBC.com and Smartmoney.com. She is a City Brights writer for the San Francisco Chronicle's online edition, SFGate, and a columnist and reporter for CreditCards.com. 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 CreditCardGuide.com
Hi Erica, I never paid any bills or rent to companies. I lived in a dorm in college where my dad paid the bills. After college (now), I lived with roommates and gave the leaseholder cash for my part of the rent. I never had a single credit card or loan. I have a good […]
Hi Erica, I've got to take my ex-girlfriend off the credit card we shared together. She has the card now, but I don't know where she is. Do I have to tell her? None of the debt is mine, and I've got to stop her. — Neil Dear Neil, Old relationships can create such a […]
Not everyone can handle loans and credit cards. Start by getting a job and turning over a new financial leaf…