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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

Wife bails husband out of card debt, again

A husband needs his wife to bail him out of card debt — again. If this continues, what options does this couple have to fix its finances (and marriage)?

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4 steps to increase your credit limit for the holidays

Looking to charge those holiday gifts on your credit card, but you’ve maxed out your limit? Take these steps …

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When a simple credit report error could be fraud

You’ve received your credit report, and unfortunately — but not uncommonly — you’ve found an error. Could it be fraud? Here’s what to do …

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5 tips to keep you on budget this holiday season

Break free of the holiday splurging cycle and stay on budget this year. Here are five tips to keep your gift-giving on track …

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What to do when an authorized user owes you money

What do you do when an authorized user on your credit card runs up the bill, then refuses to pay you back? Here are a few options …

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