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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

Can insurance companies check your credit?

One reader wonders whether her insurance company can check her credit and whether there are repercussions …

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How to recover from poor credit scores

After two marriages, one reader faces bad credit scores and limited income. Credit expert Erica Sandberg advises …

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Help! I face major debt and can't make the bills

One reader asks for help with finances after incurring heavy debt. Also, she can’t pay the bills. Credit expert Erica Sandberg lays out her options…

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Should I tell debt collectors to go away?

This reader is tired of the creditor calls. But is it the right thing to tell them to cease and desist?

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How to build credit after living abroad

After more than 10 years in the U.K., she wants to know how she can rebuild her credit in the U.S. …

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