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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

7 great reasons for having a credit card

Getting a credit card isn’t necessary to life, but there are clear advantages. Here are seven of them …

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Better to be an authorized user or get your own card?

Which is better for a college student — getting a card as an authorized user on a parent’s account or getting your own?

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Clean up your credit for free: Do it yourself

You can pay someone to clean up your credit, but why not do it yourself — for free? Here is what you need to do …

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Prepaid cards are not a credit solution

Thinking about prepaid cards because you have lousy credit? There are other, better solutions …

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Rebuilding credit after bankruptcy

Lenders are more interested in your recent paying habits than what you did a long time ago, which helps when you have filed for bankruptcy …

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