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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, MSNBC.com and Smartmoney.com. She is a City Brights writer for the San Francisco Chronicle's online edition, SFGate, and a columnist and reporter for CreditCards.com. 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 CreditCardGuide.com

Forgotten gym dues likely won't ding credit

After closing a card due to ID theft, a consumer forgets to alert her gym. Even with three months of dues piled up, here’s why her credit likely won’t be dinged …

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What is considered a good FICO credit score, anyway?

Your credit score tells lenders, insurance companies and landlords if you are a good risk, but do you know what is “good?” Here’s what those numbers mean …

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No, cards aren't evil; here's why

It’s easy to blame credit cards for your bad credit behavior, but plastic is simply a tool that you can use well or badly. Here are the facts about cards …

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Minimum vs. lump sum payments: Which builds credit?

Managing your credit card to get the best FICO score takes a bit of work. Here are two ways to build your score with plastic …

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Missed card payments damage your score, credit future

If you’ve fallen behind on your credit card payments, your items bought with the card won’t be repossessed. But there are other lasting effects …

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