How Do You Check Credits on Social Security?

Check your Social Security credits online by creating and logging into a personal my Social Security account on the website. Alternatively, print out and fill in Form SSA-7004, Request for Social Security Statement, and send it by postal mail to the address listed on the form. Your statement should arrive within four to six weeks.

To create a my Social Security account, you must be 18 or older and have a Social Security number, a U.S. mailing address and an email address. Go to the main page, scroll down, and click on the my Social Security icon in the middle of the page. Click on Create an Account, and follow the instructions to provide your personal information and create a unique username and password. If you receive an activation code from the Social Security Administration, click on Enter Activation Code before creating your account. You cannot allow anyone else to use or access your my Social Security account, even a relative or legal representative.

With your my Social Security account, check the Social Security credits you have accumulated on your earning record as well as your total earnings and the Social Security and Medicare taxes you pay. You can also receive estimates of future Social Security retirement and survivors and disability benefits. Additionally, you can request a benefit verification letter to prove that you receive benefits or applied for benefits in the past.