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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

Which type of bankruptcy does the least credit damage?

If bankruptcy is in your future, deciding whether to file for Chapter 13 or 7 can be important to your credit. Here are some factors to consider …

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Preparing your credit for retirement

When you are planning your retirement, also think about how credit figures into your future …

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With power of attorney, you can monitor mom's credit

When a loved one can no longer care for her finances, obtaining power of attorney is likely the solution …

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Keep your credit utilization low; don't close paid-off card

You may be tempted to close an account once it’s paid off, but by keeping it open and active, you can actually help your credit …

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Teens need to manage money before credit

If you want to help your underage teen build his credit, the choice is clear — make him an authorized user. But first, he needs to be able to manage money …

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