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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

When closing a card affects your credit score

There are times when it’s OK to close your credit card account — and there are times when it’s a terrible idea. Find out the difference

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Can vet bills be included in bankruptcy?

Trying to include luxury items in your bankruptcy proceedings can be problematic, but are vet bills considered luxury?

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Slim credit file requires thinking creatively

Been off the credit grid for a while? You still may have evidence of a solid credit history. Here are some ways to prove you can handle a mortgage

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Don't let dreams of buying a home fade

Do you want to buy a home, but you have poor credit? Don’t despair. In as little as a year, you can turn things around

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On purging unused accounts from credit reports

Even if you aren’t using an account, it stays on your credit reports for 10 years. But that may not be a bad thing

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