KZ Multiservice

KZ Multiservice Tax Preparation - Notary Public - Immigration Forms

🔍 THE RIGHT TENANT MAKES ALL THE DIFFERENCE — HERE'S HOW TO FIND THEM 🔍Placing the wrong tenant is one of the most costl...
08/19/2026

🔍 THE RIGHT TENANT MAKES ALL THE DIFFERENCE — HERE'S HOW TO FIND THEM 🔍

Placing the wrong tenant is one of the most costly mistakes a landlord can make. A solid screening process saves you money, stress, and legal headaches down the road! 💡

Joel Ruiz, our Real Estate Professional at KZ Multiservice, shares his top tenant screening tips for Central NY landlords:

📋 TENANT SCREENING CHECKLIST:
✅ Require a completed rental application for EVERY adult applicant
✅ Run a credit check (focus on payment history, not just the score)
✅ Verify employment and income (aim for rent = no more than 1/3 of monthly income)
✅ Check rental history — contact previous landlords directly
✅ Conduct a background check through a reputable screening service
✅ Always follow Fair Housing laws — screen consistently for ALL applicants

📋 CÓMO SELECCIONAR BUENOS INQUILINOS:
✅ Solicita una aplicación completa de cada adulto
✅ Verifica ingresos, historial crediticio y referencias de arrendamiento previo
✅ Sigue las leyes de vivienda justa en todo momento

Un buen proceso de selección desde el principio protege tu inversión. ¡Joel puede ayudarte! 🙌

📱 Conecta con Joel directamente:
📞 (646) 581-7232

📊 Did you know? Your credit score is made up of 5 key factors.Many people think it is just about whether you pay your bi...
08/17/2026

📊 Did you know? Your credit score is made up of 5 key factors.

Many people think it is just about whether you pay your bills on time — but there is actually much more to it!

Here is how your FICO score is calculated:

🔵 35% — Payment History (the most important factor!)
🟢 30% — Credit Utilization (how much of your available limit you use)
🟡 15% — Length of Credit History
🟠 10% — Credit Mix (types of accounts you have)
🔴 10% — New Credit Inquiries

Understanding these 5 factors is the first step to improving your score. And when you work with Nathalie, she helps you tackle each one strategically — so your progress is real and lasting.

📲 Connect with Nathalie:
Facebook: facebook.com/uribe0413
Instagram:
📞 (315) 982-7811

___

¿Sabías que tu puntaje de crédito depende de 5 factores?

🔵 35% — Historial de pagos
🟢 30% — Utilización del crédito disponible
🟡 15% — Duración del historial crediticio
🟠 10% — Tipos de crédito
🔴 10% — Consultas recientes

Conocer estos factores es el primer paso para mejorar. ¡Nathalie puede guiarte!

📲 Conecta con Nathalie:
Facebook: facebook.com/uribe0413
Instagram:
📞 (315) 982-7811

💡 Credit Myth Busted: "Checking my credit score will hurt it."FALSE! Checking your OWN credit score is a soft inquiry — ...
08/08/2026

💡 Credit Myth Busted: "Checking my credit score will hurt it."

FALSE! Checking your OWN credit score is a soft inquiry — it does NOT lower your score. You can (and should!) check it regularly.

Here are 5 things that ACTUALLY hurt your credit score:

1️⃣ Missing or late payments — even one missed payment can drop your score significantly
2️⃣ High credit utilization — using more than 30% of your available credit limit
3️⃣ Applying for too much credit at once — multiple hard inquiries add up fast
4️⃣ Closing old accounts — it shortens your credit history
5️⃣ Collections and charge-offs — old debts that were never resolved

The good news? All of these can be addressed. That's exactly what Nathalie Uribe, our Credit Repair Specialist, helps clients work through every single day.

📲 Connect with Nathalie: facebook.com/uribe0413
IG: NatCreditExpert
📞 (315) 982-7811| 📧 [email protected]

___

¿Mitos sobre tu crédito? ¡Los aclaramos!

Revisar tu propio puntaje crediticio es una consulta "suave" — ¡NO afecta tu puntaje!

Lo que SÍ puede dañar tu crédito:
1️⃣ Pagos atrasados o perdidos
2️⃣ Usar más del 30% de tu límite de crédito
3️⃣ Aplicar a muchas tarjetas a la vez
4️⃣ Cerrar cuentas antiguas
5️⃣ Cuentas en cobro no resueltas

¿Tienes dudas? Nathalie puede ayudarte. 💚
📲 Conecta con Nathalie: facebook.com/uribe0413
IG: NatCreditExpert
📞 (315) 982-7811| 📧 [email protected]

We're still here for you. 💙As many of you know, our office is currently focused on completing the cases of our existing ...
08/05/2026

We're still here for you. 💙

As many of you know, our office is currently focused on completing the cases of our existing clients — because every one of you matters and deserves our full, undivided attention.

We are not accepting new cases at this time, but rest assured: our team is working diligently behind the scenes for those who have placed their trust in us.

In the meantime, we want to shine a spotlight on two incredible professionals who are part of the KZ Multiservice family:

✨ Nathalie Uribe — Credit Repair Specialist
👉 facebook.com/uribe0413

🏠 Joel Ruiz — Real Estate & Property Management Professional
👉 facebook.com/joel.ruiz.539755

Stay tuned — over the next two weeks we'll be sharing more about what they do and how they can help YOU. And we'll look forward to welcoming new clients again for tax season 2027. 🙏

Thank you for your continued love and support. Our community is everything to us.

___

Seguimos aquí para ustedes. 💙

Nuestra oficina está enfocada en completar los casos de nuestros clientes actuales. No estamos aceptando casos nuevos por el momento, pero nuestro equipo sigue trabajando con toda la dedicación.

En este tiempo, queremos presentarles a dos profesionales increíbles de nuestra familia KZ:

✨ Nathalie Uribe — Especialista en Reparación de Crédito
👉 facebook.com/uribe0413

🏠 Joel Ruiz — Profesional de Bienes Raíces y Administración de Propiedades
👉 facebook.com/joel.ruiz.539755

¡Los invitamos a seguirnos para conocer más! Los esperamos para la temporada de impuestos 2027.

📧 [email protected]

🌟 MEET THE TEAM: JOEL RUIZ 🌟We are so proud of the incredible professionals on our KZ Multiservice team — and today we w...
08/05/2026

🌟 MEET THE TEAM: JOEL RUIZ 🌟

We are so proud of the incredible professionals on our KZ Multiservice team — and today we want to spotlight someone who brings a POWERFUL combination of expertise to every client he serves: Joel Ruiz, our Real Estate Professional and Registered Tax Preparer! 🏠💼

Whether you're searching for your first home, managing a rental property, or navigating real estate as a small landlord, Joel is here to guide you every step of the way — in English AND Spanish! 🇺🇸

And because he's also a Registered Tax Preparer, he understands exactly how real estate decisions impact your taxes — giving you a true all-in-one expert in your corner.

💡 Joel can help you with:
✅ First-time homebuyer guidance
✅ Property management support
✅ Small landlord advice
✅ Understanding the eviction process in Central NY
✅ Tax preparation for real estate owners

___

🌟 CONOCE AL EQUIPO: JOEL RUIZ 🌟

¡Estamos muy orgullosos de presentarte a Joel Ruiz, nuestro Profesional en Bienes Raíces y Preparador de Impuestos Registrado! Joel está aquí para ayudarte con la compra de tu primera casa, el manejo de propiedades y mucho más — ¡en español también! 💪

📱 Contacta a Joel directamente: (646) 581-7232

facebook.com/joel.ruiz.5397555

Office temporarily closed, but we’re here. Serving all current clients with care and dedication. New cases are paused fo...
08/04/2026

Office temporarily closed, but we’re here.

Serving all current clients with care and dedication. New cases are paused for now.

For updates or questions, please email [email protected]. Thank you for trusting us. 💙

At KZ Multiservice, we grow because you grow.We’ve helped families and businesses with taxes, notary, and immigration — ...
04/23/2026

At KZ Multiservice, we grow because you grow.
We’ve helped families and businesses with taxes, notary, and immigration — and now we’re here to help you rebuild your credit and your confidence.
💼 Taxes • 🖋️ Notary • 🌎 Immigration • 💳 Credit Repair (New!)
Because your financial future deserves a fresh start.
📍 643 Elizabeth St, Utica NY | 📞 315‑670‑7006
| www.kzmultiservice.com
Book your appointment for Credit Repair here:
https://kzmultiservicetaxesimmigrationmore.as.me/?calendarID=13803579

_________________________________
En KZ Multiservice crecemos contigo.
Hemos ayudado a familias y negocios con impuestos, notaría e inmigración — y ahora también te acompañamos a reconstruir tu crédito y tu tranquilidad.
💼 Impuestos • 🖋️ Notaría • 🌎 Inmigración • 💳 Reparación de crédito (Nuevo)
Porque tu futuro financiero merece un nuevo comienzo.
📍 643 Elizabeth St, Utica NY | 📞 315‑670‑7006
| www.kzmultiservice.com
Haz tu cita de Reparación de Crédito aquí:
https://kzmultiservicetaxesimmigrationmore.as.me/?calendarID=13803579

Office Hours - Horario de Oficina. Estamos para servirle!
04/23/2026

Office Hours - Horario de Oficina. Estamos para servirle!

Un millón de 🙏🏽 por confiar en nosotros en esta temporada. Por la paciencia en estos días tan movidos y por recomendarn...
04/16/2026

Un millón de 🙏🏽 por confiar en nosotros en esta temporada. Por la paciencia en estos días tan movidos y por recomendarnos.

Hoy 16 de abril estaremos en oficina de 10:00 am - 8:00 pm para aquellos que requieran asistencia en sus taxes 💼

Solo queremos decir… gracias 🙏🏽

De verdad lo apreciamos mucho ❤️

—

⏳ LAST DAY FOR TAXES!We’re still here to help you.📲 Contact KZ Multiservice now! 315-670-7006⏳ ¡ÚLTIMO DÍA PARA LOS IMPU...
04/15/2026

⏳ LAST DAY FOR TAXES!
We’re still here to help you.
📲 Contact KZ Multiservice now! 315-670-7006

⏳ ¡ÚLTIMO DÍA PARA LOS IMPUESTOS!
Todavía estamos aquí para ayudarte.
📲 ¡Contacta a KZ Multiservice ahora! 315-670-7006

Address

643 Elizabeth Street
Utica, NY
13501

Opening Hours

Monday 10am - 8pm
Tuesday 10am - 8pm
Wednesday 10am - 8pm
Thursday 10am - 8pm
Sunday 11am - 5pm

Telephone

+13156707006

Website

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