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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

To stay or not to stay in a debt management plan

Once you’re back on your feet financially, is it better for your credit score to see a debt management plan through or pay debts off in a lump sum?

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No, your boss isn't contacted when applying for credit

When applying for a card, the issuer won’t verify your income with your boss, but you do need to be honest …

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Help! I'm being sued for ex-wife's debt

If you don’t remove your ex as an authorized card account user post-divorce, you may be in for a world of hurt …

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Paying off delinquent debt bumps up credit score

Unpaid debts stay on your credit report for years, but if you pay them off, your credit score is bound is rise …

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4 credit options for new college students

Parents who want to pad their college kids’ wallets with plastic this fall need to explore the variety of ways they can do so.

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