Have you wondered how you can know how many points you have accumulated in Infonavit? If you are a Mexican worker and are interested in knowing your points history at Infonavit, you are in the right place. In this article, we will provide you with all the information necessary to understand how you can know exactly how many points you have in your Infonavit account. From the requirements and the various consultation options available to the technical process behind calculating points, we will guide you through the steps necessary to obtain this important information. So keep reading and discover how you can know your points at Infonavit!

1. Introduction to Infonavit and the points system

Infonavit is an institution whose main objective is to grant mortgage loans to workers affiliated with the IMSS, ISSSTE and other social security systems. social Security in Mexico. The system of infonavit points it's a tool that is used to determine the credit capacity of workers and calculate the maximum amount of credit they can access. It is important to understand how this system works in order to take full advantage of the credit options offered by Infonavit.

Infonavit's points system is based on different factors, such as the worker's salary, contribution time and age. These factors determine the worker's final score, which can be up to 116 points. The higher the score, the greater the credit options available to the worker. To determine the score, Infonavit evaluates each of these factors and assigns a certain number of points to each one.

There are different ways to accumulate points in the Infonavit system. For example, workers can accumulate points if they have a higher salary, if they have been contributing for a longer period of time, or if they are of legal age. In addition, there are special programs that grant additional points to workers, such as the "My first credit" program or the "Shared Responsibility" program. These programs are designed to help people who do not meet all the necessary requirements to access traditional credit, but who still have the possibility of obtaining a mortgage loan through Infonavit.

2. What are points in Infonavit and how are they calculated?

Points in Infonavit are a measure used to calculate and determine the amount of credit that workers can obtain to purchase a home. These points are based on different criteria such as salary, contribution time and the worker's age.

To calculate points, it is necessary to enter the Infonavit portal and register as a user. Once registered, you can access the My Account section, where you will find the option to Calculate my points. When selecting this option, a form will be displayed in which it is necessary to provide detailed information about salary, age and contribution time.

It is important to keep in mind that the points in Infonavit may vary depending on different factors, so it is advisable to consult the reference guide available on the portal or go to a branch to receive personalized advice. In addition, it is possible that the presentation of certain documents such as the Afore account statement and the RFC may be required, so it is important to have them if requested.

3. Why is it important to know my points in Infonavit?

Knowing your points in Infonavit is vitally important to make informed financial decisions and have a clear view of your credit situation. Knowing how many points you have accumulated allows you to evaluate if you are close to getting a mortgage loan or if you still need time to accumulate more points. Additionally, knowing your points allows you to make strategic decisions about how to use them, whether to buy a home, make home improvements, or even use them as an investment.

Infonavit offers different options to check your points, such as its official website, where you can enter your Number Social Security and Get a detailed breakdown of your accumulated points. You can also go to the Infonavit offices or call their call center to request this information. Once you know your points, you can evaluate different scenarios and weigh the options available to make the most of your benefits and meet your financial goals.

It is important to remember that points in Infonavit are calculated based on different criteria, such as contribution time, salary, age and other variables. Therefore, knowing your points gives you a clear view of your work and financial history, allowing you to evaluate your capabilities and opportunities to make intelligent use of Infonavit benefits.

4. Methods to verify my points in Infonavit

To verify your points at Infonavit, there are different methods available that will allow you to access your account information quickly and easily. Below are some options you can use:

• Log In on the platform of Infonavit through its site official. Once inside, you can find the "My Points" section where you can consult all the details related to your account.
• Download the Infonavit mobile application on your Android device or iOS. By installing it, you will be able to access your account and check the accumulated points anytime, anywhere.
• If you prefer to obtain this information in a more traditional way, you can contact the Infonavit Call Center at the number 800-080-1111. An advisor will be available to answer all your questions and provide you with the details of your accumulated points.

Regardless of the method you choose, it is important to remember that you must have your social security number on hand, as well as other information that may be required to carry out the verification successfully. Also, keep in mind that this information is confidential and must be adequately protected to prevent any type of fraud.

Remember that, by knowing your points in Infonavit, you will be able to have better control over your account and make more informed financial decisions. Stay on top of your accumulated points and make sure you are making the most of the benefits that Infonavit has to offer you.

5. Step by step: How to check my points in Infonavit through the official website

To check your points at Infonavit through the official website, follow these simple steps:

1. Access the official Infonavit website at www.infonavit.org.mx and click on "My Account".

2. Enter your social security number and password in the appropriate fields. If you don't have an account yet, you can create one by clicking on "Sign up."

3. Once you have logged into your account, select the “Account Statement” option in the main menu. There you will find all the information related to your points accumulated in Infonavit.

6. Other options to find out my points at Infonavit: phone call and visit to an office

In addition to the online option, Infonavit offers other alternatives to check your points. One of them is through a phone call to their customer service center. To do this, you must dial the contact number provided by Infonavit and enter the data requested by the voice system. Then follow the prompts and choose the option to find out your Infonavit points. Remember to have your number handy social security and any other personal information that may be required.

Another option is to visit an Infonavit office in your area. You can check the address of the offices through the official Infonavit website or call the customer service center to obtain this information. When you arrive at the office, request the corresponding advice to know your Infonavit points. It is important to bring with you your official identification and any document that proves your relationship with Infonavit, such as your application or credit number.

Whether you choose the telephone option or visit an office, Infonavit has trained personnel to provide you with all the necessary information about your points. Don't hesitate to ask questions and clarify any doubts you have regarding your situation. Remember that knowing your Infonavit points will allow you to make informed decisions about your finances and take full advantage of the benefits that the institute has to offer you.

7. What should I do if I find inconsistencies in my points in Infonavit?

If you encounter inconsistencies in your points in Infonavit, it is important that you take action to resolve the situation. Below we provide you with a guide Step by Step about what to do:

1. Verify the information: The first thing you should do is make sure that the inconsistencies are not simply registry errors. Carefully verify the data provided in your Infonavit account, such as your social security number, name, address and registered salary. If you find any errors, contact the Infonavit customer service department to make the necessary corrections.

2. Review your contributions: Once you have verified the basic information, it is important to review your contributions and payments made to Infonavit. You can do so through the “My Contributions” section in your Infonavit online account. Compare your recorded payments to your receipts and statements to identify any discrepancies.

3. Contact Infonavit: If you find inconsistencies in your points after verifying the information and reviewing your contributions, you should contact the Infonavit customer service department. You can call the number provided on the official website or send an email detailing your problem. Be sure to include all relevant information, such as your credit number, the periods in which you found discrepancies, and any documentation that supports your claim. Infonavit staff will provide you with additional guidance on how to resolve the issue and what procedures to follow.

8. Factors that may affect my points at Infonavit

There are several factors that can affect your points at Infonavit, and it is important to be aware of them to take the necessary measures and avoid any negative impact on your score. One of the most relevant factors is failure to pay your monthly payments, since this can generate a considerable decrease in your points. It is essential to ensure that you make the corresponding payments on time and in full.

Another factor that can affect your points is the high level of debt. If you have high debts and/or multiple credits, this can negatively affect your Infonavit score. It is advisable to maintain a good level of debt and avoid acquiring financial commitments that exceed your payment capacity.

Additionally, it is important to keep in mind that job loss or a decrease in your income can also have an impact on your Infonavit points. This is because Infonavit evaluates the payment capacity of the beneficiaries, so any change in your employment situation can influence your score. If you face a situation of unemployment or reduction in income, it is advisable to contact Infonavit to look for alternatives and avoid affecting your score.

9. Implications of having a low score on Infonavit

What does it mean to have a low score on Infonavit? If your Infonavit score is low, it is likely that you will have difficulties obtaining a mortgage loan or a loan to improve your home. Additionally, it may affect your ability to access additional benefits such as interest rate discounts or subsidy programs.

It is important to note that the Infonavit score is calculated based on various factors, such as your credit history, your income, the time you have been contributing to the institute and other aspects. Therefore, it is essential to maintain good management of your finances and meet your credit commitments to increase your score.

If you find yourself in this situation, there are some actions you can take to improve your Infonavit score and increase your chances of getting credit or a loan in the future. Below are some recommendations that might help you:

1. Evaluate your credit situation: Analyze your current debts, your pending payments and any possible irregularities in your history. This will allow you to identify areas for improvement and establish a plan to resolve any problems you have.

2. Make timely payments: Make sure you make your payments on time to avoid delays and additional charges. This will help improve your credit history and, consequently, your Infonavit score.

3. Reduce your debts: If you have outstanding debts, it is advisable to focus on paying them off as soon as possible. Consider strategies to reduce your expenses and allocate a portion of your income to pay off your debts. This will show Infonavit that you are committed to your financial responsibilities and can help increase your score.

10. Strategies to improve my points in Infonavit

If you are looking to improve your points at Infonavit, here we present 10 strategies that you can implement to achieve your goal. Follow these steps and you can increase your points effectively:

1. Make voluntary contributions: One of the best strategies to add points at Infonavit is to make voluntary contributions to your account. These contributions are added to your accumulated balance and will help you increase your points.
2. Check and update your data personal: It is important that you verify that all your personal data is updated in the Infonavit system. This includes your name, address, telephone number, among others. Keeping your data up to date will allow you to receive notifications and avoid future problems.
3. Use your credit responsibly: Responsible use of your Infonavit credit can also impact your points. Pay your monthly payments on time and avoid falling into default. This will demonstrate your good credit history and improve your points at Infonavit.

Continuing with the strategies:

• Keep a good job: Infonavit takes into account job stability as a criterion for awarding points. If you have a stable and long-term job, this will improve your points in Infonavit.
• Participate in housing programs: Infonavit offers various housing programs that you can access. Participating in any of them can increase your points. Find out about the requirements and benefits of each program.
• Get proper advice: Having specialized advice can be of great help to know the best strategies and make the most of the benefits of Infonavit. Turn to experts on the subject who can provide you with personalized guidance.

Go on these tips and you will see how your points at Infonavit will increase significantly! Remember that improving your points will allow you to access better housing options and make the most of the benefits that Infonavit offers.

11. How to interpret the information about my points in Infonavit

To interpret the information about your points in Infonavit, it is important to follow certain steps. First of all, you must access your account on the official Infonavit website and log in. Once inside your account, look for the “My points” or “Account statement” section where you can find all the information related to your accumulated points.

Once in the “My Points” section, you will find a table with different columns that detail your score information. The most relevant columns are: calculation date, score obtained, maximum score and required score. The score obtained represents the points you have accumulated up to the calculation date, while the maximum score indicates the total points you could earn. On the other hand, the required score shows the minimum points necessary to access the different Infonavit benefits and programs.

To better understand your score, you can use the points simulator tool that Infonavit offers online. This tool allows you to estimate the score you could achieve based on different variables, such as your salary, age, time paid, among others. In addition, the simulator shows you the different credit options and programs that you could access with your current score. It is important to note that the Infonavit score is updated periodically, so it is advisable to review your account statement regularly to verify your updated points.

12. Recommendations to make the most of my points at Infonavit

Recommendation 1: Know your point usage options. Infonavit offers different alternatives to make the most of your accumulated points. You can use them to improve your current home, acquire a new property, pay a mortgage or even get a cash loan. It is important that you review each option in detail and determine which is the most convenient for your needs and objectives.

Recommendation 2: Perform an advance point calculation. Before making any decision, it is recommended that you make a calculation of how many points you have available and how you could use them. Infonavit puts at your disposal an online tool that allows you to estimate the number of points you have and the different ways to use them. This way, you can make more informed decisions and get the most out of your points.

Recommendation 3: Check the list of affiliated providers. If you are planning to use your points to improve your current home, it is essential that you consult the list of providers affiliated with Infonavit. This list includes companies and professionals that offer construction, remodeling and maintenance services that meet established quality standards. By hiring an affiliate provider, you ensure that the use of your points is valid and guarantee the quality of the work performed.

13. Frequently Asked Questions (FAQ) about the points system at Infonavit

1. How can I check my points balance in Infonavit?

To check your Infonavit points balance, you can access the official Infonavit website and log in to your personal account. Once inside, you will find the option to check your points. You can also call the Infonavit customer service number and provide your personal information so that they can provide you with information on your points balance.

2. What are the requirements to get points at Infonavit?

There are several requirements to get points in Infonavit. Among the most important are:

• Be a worker affiliated with Infonavit.
• Have an active employment relationship and contribute to Infonavit.
• Have at least 116 points in the "Points Factor" to access a mortgage loan.
• Keep your mortgage loan payments up to date, if you have one.

3. What are the ways to lose points at Infonavit?

There are several ways to lose points at Infonavit. Some of them are:

• Do not contribute to Infonavit for a certain period of time.
• Not paying your mortgage monthly payments on time.
• Not filing your annual tax return.
• Do not report changes in your personal or work data to Infonavit.

14. Conclusions and final advice to know and manage my points in Infonavit correctly

In summary, knowing and managing your points at Infonavit correctly is essential to be able to make the most of the benefits that this institution offers to workers. Below, we will provide you with some final conclusions and tips to make this task easier:

1. Maintain periodic monitoring of your Infonavit points: It is important that you are aware of the number of points you have accumulated, since this will determine your ability to access a mortgage loan, improvements to your home or use the services available to beneficiaries. . Check your points regularly through the Infonavit platform or by going to one of its offices.

2. Take advantage of digital tools available: Infonavit has an online platform that allows you to access detailed information about your points, as well as simulate different scenarios to know how they affect your future decisions. Make sure you use these tools to better understand your current situation and correctly plan your efforts with Infonavit.

3. Seek professional advice: If you have doubts about how to manage your points or find yourself facing a complex situation, consider seeking specialized advice. There are consultants and professional offices that have experience in Infonavit issues and will be able to provide you with the support you need. Remember that being well informed and having the appropriate guidance will help you avoid mistakes and make the most of the benefits of Infonavit.

Remember that correct knowledge and management of your Infonavit points is key to making informed decisions in relation to your mortgage loans and other available services. Follow these tips and stay aware of any changes or updates made by Infonavit to ensure you get all the benefits that correspond to you.

In summary, knowing your points in Infonavit is a fundamental task for any worker affiliated with the system. In this article we have gone through the different methods available to access this information.

We have explored the option of checking your points through the official Infonavit website, where you can find a wide variety of services and tools related to your account. Likewise, we have explained how to use the Infonavit mobile application to access your personalized information quickly and easily.

In addition, we have mentioned the usefulness of Infonavit points and how they influence your opportunities to purchase a home or apply for some type of credit.

It is important to remember that, to get a clear and accurate picture of your Infonavit points, it is advisable to regularly review and keep your work information updated, as this can influence the allocation of points.

In conclusion, knowing your Infonavit points is crucial to have greater control over your credit history and your possibilities of accessing a home. Using the resources that Infonavit makes available to you will allow you to make informed decisions and take full advantage of the benefits that this system offers. Don't hesitate to check your points regularly to keep track of your progress and make the future plans you want.

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