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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

FICO scoring formula impacts couple's mortgage quest

Her credit scores rose with big paid-off wedding charges, while his still need work…

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How a starter card helps build credit scores

Managing most kinds of credit products responsibly will show up positively on your credit reports…

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Bluffing with a creditor can be a dangerous debt game

Warning of bankruptcy can lead to negotiation and a settlement — or to a lawsuit and a deeper financial hole…

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3 ways to consolidate debt and start rebuilding credit

Find a program that works for you — or take a do-it-yourself approach to whittle down your debt…

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Before tying the knot, couple should share credit reports

A fiancee has the right to know about her beau’s credit history, but she can’t pull his files behind his back…

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