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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

Try small claims court if ex-boyfriend won't pay card bill

Small claims court is an option when someone you once trusted refuses to pay you money owed …

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Don't let bill in collections impact your credit

A small debt likely won’t end in a lawsuit, but don’t neglect it and see your credit suffer …

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4 do-it-yourself debt reduction tips

A debt management plan with a credit counselor is not the best option for everyone. Here are four do-it-yourself tips to get a handle on your debt …

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What to do when your spouse hijacks your credit

When your spouse runs up your credit card bills without your knowledge, there may be a way to minimize the damage …

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Which is better: No credit or bad credit?

You’ll sometimes hear that bad credit is better than none. The fact is that you can improve your credit, no matter what state it’s in …

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