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You do not have to claim your state pension as from the state retirement age you have the opportunity to defer payment until you wish to claim it - which as you are still a live tax credit claimant you may wish to do to make the most of your entitlements however where as normally a deferral would see you building up a higher payment position when finally claimed, as you are a tax credit claimant this would not lead to a bigger pension
Link here that advises further on this matter. https://www.gov.uk/deferring-state-pension/extra-state-pension-and-lump-sum-payments
If however you choose to claim this then the state pension date will be backdated from when it was due and will lead to you owing back tax credits. So I advise to defer but please seek further financial advise before doing so