Hi,
The 3 extra tax years may be what we call ‘Juvenile Credits’. Credits were awarded for the first 3 years of a person’s working life – that’s the tax years in which a person reached ages 16, 17 and 18. So it could be that your National Insurance account is correct.
If you have access to your Personal Tax Account (PTA) you should be able to see those 3 early tax years as credits recorded. If you don’t have access to your PTA you can set one up via www.gov.uk or you may wish to call our National Insurance Helpline (0300 200 3500) and they will be able to check your National Insurance account and see if you were awarded the Juvenile Credits.
If you’d like to check your pension entitlement you may do so via:
Contact the Future Pension Centre or call Future Pension Centre on 0800 731 0175
Thank you.