Sure, we also can't pay any retirement benefits until you have 40 credits.
Very good. It would be great if you could tell me what are the best ways to get credit. Can you give me some information on how to finish the application process and sign the application online?
Before you sign the online application, you will have a chance to review your answers and make any necessary changes.  Once you have filled everything out, we will ask you to confirm that your answers are true to the best of your knowledge and then you can sign the application and submit.
Of course I understand, now a question, I still lack time to retire, is the amount of my benefit reduced if I start receiving it before my retirement?