Thank you for using JA. I am Loren, a licensed attorney for over 35 yrs and a certified expert on JustAnswer since 2009.
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To answer your question regarding Social Security credits, no, you can not buy Social Security credits, which are the income-based building blocks of benefit eligibility. You can't borrow them or transfer them from someone else's record.
The only way to earn your credits is by working and paying Social Security taxes.
In 2021, you earn one credit for each $1,470 in income from “covered” work. That's work where you paid into the Social Security system via Federal Insurance Contributions Act (FICA)payroll withholding or self-employment taxes. You can earn up to, but no more than, four credits each calendar year.
Qualifying for Social Security retirement benefits requires 40 credits, so most people qualify after a decade in the workforce. However, no time or age limit is in place on collecting credits. No matter how long it takes or how old you are, you still will qualify for retirement benefits if you reach 40 credits. There is just no other way to get the credits except by working.
I hope I’ve provided the information you were seeking. If you need more help, please let me know so l can continue to assist you.