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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

Stop deluge of card offers in one easy step

All those card offers jamming up your mailbox shows you’re a good credit risk, but can you can clear the clutter by opting out…

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Income swings require budgeting, not cash advances

When your monthly income fluctuates, relying on expensive cash advances isn’t the way to go

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6 credit tips you should have learned in school, but didn't

Finances and credit are not often taught in school, but if you’re looking to start educating yourself, here are six things you need to know about using credit …

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What to do when job bonus debt repayment plan backfires

Finding out that your plan to repay $5,000 in debt with a bonus that didn’t materialize is soul-crushing. Instead of despairing, it’s time to formulate plan B …

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Forget credit limit increase if card is maxed out

Asking for more credit so that you don’t bust your credit limit won’t fly with card issuers. Work on lowering the balance before pursuing more credit …

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