Credit checks are fine if you have lines of credit open.My only pain with the IUP is that it’s a fresh credit agreement every year, and I don’t want to have this very new agreement close to mortgage time
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Likewise, though I have 24-26 delivery dates
People think that it’s a bad thing and may look bad for a mortgage, but actually the opposite applies.
The mortgage provider will check the report and see that you’re a good borrower of money and don’t miss payments.
I had a friend who had finance for a tv (many years ago) turned down, because he had actually paid his mortgage off a while back and didn’t have any debt.