Erica Sandberg

Erica Sandberg is's "Opening Credits" expert columnist. While she addresses a host of questions from readers on a variety of topics, her primary focus is on helping those new to the credit world, be they students, immigrants or young adults. Got a question? Ask Erica.

Sandberg is also a prominent personal finance authority and author of "Expecting Money: The Essential Financial Plan for New and Growing Families."

Prior to launching her own reporting and consulting business, she was affiliated with Consumer Credit Counseling Services of San Francisco where she counseled individuals, conducted educational workshops, and led the media relations department.

Posts by Erica Sandberg

Living with credit, Protecting yourself, Travel

Keeping spring breakers’ charging in check

Woohoo! Millions of American college kids are blowing off steam on spring break, but as a parent, you have both the right and the responsibility to expect financial responsibility – especially if your college-age student is charging on your card.…
Read More

Living with credit, New products, Research, regulation, industry reports, Shopping

9 crazy credit facts to wow your friends

Want to amuse and astound your friends? These funny and peculiar facts about credit cards, credit reports and credit scores may wow your friends. 1. Credit cards are rectangle because the world is round. You may have wondered why there aren’t…
Read More

Living with credit, Protecting yourself, Shopping, Travel

To stay on budget, click ‘unsubscribe’

You’ve worked hard to create a budget, so why let your inbox lure you into overspending? Amidst all that personal correspondence are advertisements – temptations really – from your favorite retailers. The emails are so tailored to your desires (and…
Read More

Living with credit, Protecting yourself, Shopping

Fantastic credit advice you’re not following (but should)

As a longtime credit expert, counselor and writer, I sometimes feel as if  I’m just wasting my breath. Do this, do that; don’t do this, don’t do that. And then what happens? Radio silence. Look, I get it. Some credit…
Read More

Living with credit, Rewards, Travel

5 ways to keep your elite travel status

If you’re like me, you’ve racked up so many air miles and points that you’ve earned some perks at the airport (lounge access, for example). That’s wonderful, but know that your elite status for 2017 will be fixed the moment…
Read More