Erica Sandberg

Finance Expert
Erica Sandberg

About the Author

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money. An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. She's the author of "Expecting Money: The Essential Financial Plan for New and Growing Families" and recipient of the 2024 Financial Literacy and Education in Communities (FLEC) Award for National Excellence.

Latest Posts

Worked On 80 Articles To Date

Blog

680 views

3 min read

Opinion: Lenders Should Stop Trusting Credit Scores Alone

Opinion: Lenders Should Stop Trusting Credit Scores Alone

Recent changes in the credit reporting and scoring systems, as well as loopholes in the reporting process, are negatively impacting subprime... read more »

By: Erica Sandberg • 6/1/26

Blog

7,553 views

3 min read

Opinion: Why Rising Bankruptcies May Be a Healthy Reset For Consumers

Opinion: Why Rising Bankruptcies Are Actually a Healthy Reset

If you were on a Washington, D.C., to San Francisco flight sometime in 2009, you would have noticed a woman trying to get everyone in her row to... read more »

By: Erica Sandberg • 5/11/26

Blog

21,811 views

3 min read

Opinion: From “Unpredictable” to Undervalued, Subprime Lenders Are Misreading Gig Income

Opinion: Gig Income Isn’t Unpredictable; It’s Misread

Gig work can be transformative for Americans wanting to boost their income, become their own boss, or manage bills when they’re between regular... read more »

By: Erica Sandberg • 4/13/26

Guide

12,397 views

7 min read

How to Time Credit Applications to Avoid Credit Score Damage (Step-By-Step)

How to Time Credit Applications to Avoid Credit Score Damage

Have you ever thought: “I want a credit card, but every time I apply, I get turned down, and now my credit score is lower!”  This is such a... read more »

By: Erica Sandberg • 3/27/26

Guide

27,547 views

9 min read

How to Get Approved for a Credit Card After a Denial (Step-by-Step)

How to Get Approved for a Credit Card After a Recent Denial

Rejection is awful, but it can be especially disheartening when it comes to your finances. Imagine that you researched all of your options and... read more »

By: Erica Sandberg • 3/10/26

Blog

22,980 views

3 min read

Opinion: BNPL’s Growth Masks Rising Default Risk

Opinion: BNPL’s Growth Masks Rising Default Risk

Facilitating big-ticket purchases with instant, short-term financing options has long made sense. Buy now, pay later (BNPL) plans, which are... read more »

By: Erica Sandberg • 3/2/26

Blog

35,370 views

3 min read

Opinion: Credit Cards Must Evolve or Lose Gen Z Forever

Opinion: Credit Cards Must Evolve or Lose Gen Z Forever

You may think Generation Z (ages 12 to 28) and millennials (29 to 45) have little in common. But they do share a couple of key qualities: a... read more »

By: Erica Sandberg • 2/23/26

Blog

50,920 views

3 min read

Opinion: Dignity Drives Engagement in Subprime Lending

Opinion: Dignity Drives Engagement in Subprime Lending

I recently had to go to my bank to discuss an unpleasant situation about one of my accounts. It was an illuminating experience. Like most people,... read more »

By: Erica Sandberg • 2/2/26

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