Vicky De La Cruz


Chief Executive Officer

You work hard to earn a living for yourself and your family. Unfortunately, due to poor credit or lack of credit history, borrowers get turned down for lending by traditional banks. They are made to pay high-interest rates on loans and debts. Furthermore, due to lack of knowledge on how personal and business credit works, the American working class and small business owners are denied the economic opportunity to get ahead.

I am passionate about helping hardworking Americans and small businesses improve their financial life by sharing my knowledge of credit and banking and helping them find the right financial solution to achieve their financial dreams. Whether it is to fix your credit, buy a new car, a new home, or expand your business, I am here to help you.

I graduated from Texas Tech University in 2001 with a degree in business. I worked at Bank of America for over 14 years and held numerous positions within the company. I started as a teller and worked my way up to Vice President. There I became proficient and knowledgeable on how banks and other financial institutions work. My husband and I also had financial difficulties as we started our family. I understand how difficult it can be to raise children and maintain a career while meeting all of life’s demands. I started V&D Consulting Firm LLC in 2017 and since then, with the grace of God, have looked forward every day to helping clients achieve their goals and dreams.

At V&D Consulting Firm LLC, our vision is to improve our clients’ financial life by going the extra mile, making their financial dreams our personal goal.

Dario Montoya


Chief Executive Officer

“If you want to live a happy life, tie it to a goal, not to people or objects.” - Albert Einstein

I formed V&D Consulting Firm LLC in 2017 to help people who are being affected by credit problems. I noticed that many financial industries would repeatedly turn away clients without truly helping the clients because the clients do not have ideal credit. It truly bothered me how financial industries would not inform clients why the client was declined, “except you will get a letter in the mail within 7 to 10 business days.” Our company history and core values are to truly help people reach their financial goals by analyzing their credit and financial needs and then correcting the credit problems. Now V&D Consulting Firm LLC has more than 200+ financial institutions that we team with and a variety of products and services to help you reach your financial goals.

Normally people define my company success by how quickly we have grown, but at V&D Consulting Firm LLC, my greatest joy comes from knowing that every day I make a difference in improving someone’s financial life and I get personal fulfillment helping my clients’ financial goals become a reality. At V&D Consulting Firm LLC, we define our success by the number of people’s lives we have truly changed! Our mission is to help all V&D Consulting Firm LLC clients and future clients accomplish their financial goals, because at V&D Consulting Firm LLC, your goals are our goals and we will accomplish them together! We understand that your financial goals are not just about money, but are your life goals and dreams for yourself and your family.