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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

Factors that go into setting your card's credit limit

Your fiscal snapshot determines how much an issuer is willing to lend initially. Steady payments and a rising income can raise this bar…

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Wife has the mother-in-law co-signed car loan blues

Husband co-signed for his mother’s car, but didn’t tell his spouse. If mom doesn’t make payments on time, couple’s future credit is at risk …

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Rebuilding credit after bankruptcy? Charge, repay, repeat

Start with a secured card to boost your credit score, then apply for a credit card with the travel points you enjoyed …

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My card issuer raised my interest rate, what can I do?

Reach out to your card issuer once you’ve mended your ways and your credit …

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Don't rely on credit cards when income isn't steady

Better money management can help a freelancer coping with irregular payments from clients …

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