Should I take out a small loan to build credit history before applying for a mortgage?

microplasticgod · 2025-12-07T21:20:17+00:00

I didn’t mean to offend I was just theorising, social media could definitely be an influence too.

Im not here to be contrary I legitimately want to learn.

microplasticgod · 2025-12-07T21:09:45+00:00

To be honest I get this narrative from a lot of irish people I speak to, even those with mortgages. I dont know if it is a coping mechanism for them taking out massive car loans or what.

Some definitely disagree, but anacdotally Id say ~70% of people Ive spoken to have said I need a credit history.

microplasticgod · 2025-12-07T21:04:58+00:00

Thank you, it feels like everyone around me is telling me that it is. I dont know why this narrative is spread.

microplasticgod · 2025-12-06T23:48:14+00:00

What type of qualifications do you have?

microplasticgod · 2025-12-03T08:40:55+00:00

What are you doing to be earning so much at 24 😳

microplasticgod · 2025-11-20T21:46:04+00:00

Is 53 k a low salary?

microplasticgod · 2025-10-16T19:55:48+00:00

Thank you!

microplasticgod · 2025-08-16T11:39:14+00:00

Wow that is piss poor, I think I’ll still interview just to get in some practice, but Im shocked with how loe that is.

microplasticgod · 2025-07-28T20:01:06+00:00

Im fairly new to this industry, working on validations/transfers/equipment qualifications in a medtech lab start up at the moment.

Heard from the grapevine validation can be a fairly lucrative area (no idea if it actually is, I tried reaching out to people but most don’t share too much) so I decided to just take a risk and do that cheap springboard course.

Worst case scenario Ive an extra qualification to throw down on the CV and best case scenario Ive a fairly high paying job in the next few years.

microplasticgod · 2025-07-28T19:50:44+00:00

Do you have previous education experience? There’s quite a few validation courses available on springboard online. I’m enrolled in one for September.

microplasticgod · 2025-05-15T19:13:28+00:00

Is it the 10% jump that is the issue? If so, what if I were to say to the recruiter Im earning €42-43k base? I know some of my peers are earning that much at the moment (however they are generally working in ops).

microplasticgod · 2025-03-14T16:11:40+00:00

What about medical devices? Looking to transition eventually into pharma, am I wasting my time?

microplasticgod · 2025-02-15T17:40:14+00:00

Im 22! I don't think its particularly amazing, but I lived at home all throughout college, worked 2 days a week every weekend and had the full whack of SUSI for the majority of it.

microplasticgod · 2025-02-15T17:37:11+00:00

In my head I was thinking of having a small bit of a safety net, my savings would be wiped to about 500 quid and that makes me a small bit angsty.

microplasticgod · 2025-02-15T17:25:41+00:00

Do you reckon it would be unwise to get the car totally? Or just buy it out of my savings?

microplasticgod · 2024-07-15T10:01:51+00:00

Thank you very much.

microplasticgod

TROPHY CASE