Our financial and consulting services have redefined the credit repair landscape by emphasizing strict regulatory compliance alongside innovative solutions. Today, V&D Financial, LLC helps clients take control of their finances, and is quickly becoming the trusted leader in financial consultations.
V&D Financial, LLC has developed effective consulting services based upon our current and previous data collection from ongoing consumers. You have the right to request that inaccurate information be deleted from your credit reports. With a combined 20+ years of financial banking experience assisting hundreds of thousands of clients, we are the trusted leaders in financial consulting services.
V&D Financial, LLC fights for every client’s legal right to a fair and accurate credit profile. V&D Financial, LLC will provide professional and courteous services to all of our clients to help them achieve their financial goals.
When borrowers get turned down for lending by traditional banks due to poor or lack of credit, they are subject to paying high-interest rates on loans and current debts. The current credit system made of big profit bureaus impose heavy penalties for slip-ups or mistakes, preventing millions of customers from obtaining credit with reasonable rates, if any. Furthermore, large lending institutions use this information to judge your creditworthiness based on outdated information and not your current or future situation. I am passionate about finding the right financial solution for people most in need of economic opportunity. In short, I am passionate about helping people improve their financial life. With over 14 years in the banking industry, I have come to understand that no single approach is the right one for every financial situation, so I apply my knowledge of banking combined with my deep understanding of lending to give financial guidance and help people reach their financial goals.
At V&D Financial, LLC, our vision is to improve our clients’ financial life by going the extra mile, making their financial dreams our personal goal.
Do Not Pass By A Man In Need, For You May Be The Hand Of God To Him. (Proverbs 3:27)
Dario Montoya is co-founder and CEO of V&D Financial, LLC. His mission is to help people reach their financial goals. He has over 7 years of banking experience working with consumer and commercial clients with a strong expertise in credit and lending. He has always made the clients’ primary needs his personal goal, for instance, while working for a major financial institution he witnessed firsthand how clients would get declined for a loan for the smallest errors on their credit report or a past minor mistake such as a late payment. He would then take it upon himself to go above and beyond in educating and assisting clients on how to correct their credit report, despite his employers' policy prohibiting an employee from further assisting once a decline decision had been made. These acts of kindness got him in trouble many times at work; however, he never wavered in his passion to continue to do the right thing for his clients despite the consequences. He soon was convinced that in order to continue to make a difference in people's lives, he would have to pursue his passion outside of Corporate America. While working a full-time job, Dario worked countless hours for 4 years developing his business plan to form a company where, no matter what mistakes clients made in the past, they wouldn’t be judged, denied credit, or taken advantage of when taking out a loan for a major purchase or to grow and expand a business.
On March 2017, Dario took a leap of faith and left his corporate job to execute his business plan. His vision was to help people reach their financial goals by helping them restore their credit health and ALWAYS going the extra mile for them. He delivers on his vision to go the extra mile with his clients. For example, if a client's goal is to purchase a home, he will not only work on their credit but will work with the lender to qualify his clients for a loan, ensuring they get the best rates, financial assistance for down payment, and help with closing cost. He then works with a realtor to help his clients find a home. Dario doesn't stop or give up until his clients have reached all of their financial goals. He is their trusted advisor every step of the way. It is very clear to his clients that Dario genuinely wants the best for them.
Dario attributes the fast growth and success of his company to his clients' constant referrals from family and friends. V&D Financial, LLC has grown from 20 clients to 500+ in 11 months and continues to grow at an unprecedented rate. However, Dario’s greatest joy comes from knowing that every day he makes a difference in improving someone's financial life and takes personal fulfillment helping someone's dream come true.