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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

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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Maximize your very first credit card

It doesn’t matter if a credit card is secured. What matters is that the card reports to the credit bureaus. Make sure you know the answer

Full Story

Why are your wife's card offers better than yours?

We’ll explain why your significant other’s credit card offers are better than yours and what you should do about it

Full Story

How do I clean up my credit reports?

Don’t allow inaccurate information to fester on your credit reports, even if it isn’t from collection agencies. We’ll tell you how to clean those records up.

Full Story

Curb card debt anxiety with small charges

Is it the right thing to reopen credit cards after a bout of anxiety from debt? Now may be the time, and we’ll tell you how

Full Story

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