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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

Recover from bad credit to buy your next home

Poor credit scores don’t have to stop you from buying a house. With a plan of action and steady habits, you can improve your scores and get your dream home

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How to recover from sudden, bad credit

When your credit suddenly takes a hit due to circumstances beyond your control, here are the steps you should take

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Missed bill? Here's how it affects your credit

Worried that a missed bill will hurt your credit rating? We’ll tell you how to recover

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Power up your credit score, get that dream house

With just one charge to your credit card a month, you can build your credit score to get the interest rate and mortgage amount you want

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Sometimes, bankruptcy can actually be good

Sometimes credit counselors’ debt repayment programs are not right for you, and bankruptcy is the best option. Here’s what you should know

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