Infonavit Score: How It's Calculated and How to Raise It

The Infonavit score is the result of a formula that combines several worker-related factors, such as age, salary, length of employment, the balance in your housing subaccount, and the number of bimonthly periods contributed, among others. This score largely determines the loan amount you can access and the conditions that come with it. Understanding how it is built helps you identify which aspects are under your control and which simply reflect your current employment situation, so you can plan more clearly when to apply for your loan and avoid surprises when you prequalify.

Factors that make up the calculation

Infonavit weighs several elements to arrive at your final score, and although the exact formula may be adjusted over time, it generally includes your age, your base contribution salary (salario base de cotización), the length and continuity of your contributions, and the accumulated balance in your housing subaccount. Workers with continuous contributions and no long gaps tend to get better results than those who have had periods of unemployment or frequent changes of employer, since consistency in contributions is one of the factors that weighs most heavily in the calculation. The score is then translated into a loan amount and certain interest rate conditions, so it is not just a symbolic number but a variable that directly affects your purchasing power.

How to improve your score

Although not all factors depend on you, there are actions that can help improve your situation over time, especially if you are not in a hurry to use your loan:

• Maintain job continuity and avoid prolonged gaps in your contributions
• Periodically review your account statement to catch errors or omissions
• Increase your voluntary savings in the housing subaccount if possible
• Check your updated score on the Infonavit portal or app before applying
• Promptly correct any discrepancy between your employer's records and your Infonavit record

Common mistakes that lower your score

Some workers lose points without realizing it because of oversights that would be easy to fix in time. Changing jobs frequently without letting your contribution record stabilize is one of the factors that hurts the most, as is failing to report errors in your social security number or salary discrepancies that your employer did not correct properly with the IMSS. It is also common for self-employed workers or those with mixed income to not keep track of their history, which can create gaps in the continuity of contributions. Reviewing your account statement at least once a year, even if you don't plan to apply for a loan right away, helps you detect and fix these problems before they affect your score when you do need it.

Frequently asked questions

Where can I check my Infonavit score?

You can check it on the Mi Cuenta Infonavit portal or in the official app by logging in with your social security number and creating or accessing your account, where your score and estimated loan amount are displayed.

Does the score change over time?

Yes, the score is updated periodically as your contributions, salary, and length of employment change, so it's a good idea to review it close to the date when you plan to apply for your loan.

Does voluntary savings really raise the score?

It can positively influence the loan amount available by increasing your housing subaccount balance, although its exact effect on the score depends on the formula in force at the time of your application.