Disabled And Credit

poppasmurf_bewdley

jonesMUFCforever wrote: »

Putting retired down is fine for you because that is your situation.
The OP hasn't indicated that they are on a pension so would not work for them.
I am sure there must be a check digit on any application to see that somebody is retirement age.

Some footballers retire at 35 (I know one who should at the age of 30 ). I've known people retire at 40. I retired at 60. If the OP cannot work again, there's no harm in putting down retired.

enthusiasticsaver

Lenders only use those categories to determine how safe or secure income is. If you are retired early due to ill health and unable to work then you should put down retired. I am guessing some benefits are more secure than others in that some can be taken away so that is a decision you need to make when applying for credit. As someone else says lenders cannot win as if you lose benefits and credit has been granted on the strength of them then paying off the debt eats into essential living costs.

Retirement age could be any age really as some sports or ex service people retire in their 30s and 40s.