How to Use Credit Utilization Zones to Target Score Increases
When it comes to credit, I think I’ve heard all the rumors and partial truths by now. This myth is among them: “The only way to have a high... read more »
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.
Guide
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11 min read
When it comes to credit, I think I’ve heard all the rumors and partial truths by now. This myth is among them: “The only way to have a high... read more »
By: Erica Sandberg • 6/4/26
Blog
1,524 views
3 min read
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
10,710 views
3 min read
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
23,022 views
3 min read
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
14,742 views
7 min read
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
16,913 views
9 min read
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
30,901 views
3 min read
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
45,611 views
3 min read
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