<prompt> Human: Im preparing a more detailed post about preparing for buying a house for later, but for now I have a more immediate question.My wife and I are planning to buy a house next year. Our credit isnt the best. We have almost no debt, but our credit history is a mixed bag leaving our scores mediocre. We are about to buy some furniture and we have the money to buy it outright. The question is, would it help or hurt our credit to do the 1 year, no interest financing? According to the salesman, its done on a credit card through Capitol One, so it would basically be a 3k credit card.If it is a risk to our credit, Id rather just buy it outright.Edit: Probably should have clarified when I said furniture I meant a large rearrangeable section couch. They cant convince me to buy more because I know exactly what I want. Also, the sectional can be changed to fit any living space even if I have to buy a extra piece or two to change it up.  <response>: You should buy your furniture outright notwithstanding any potential credit benefits which would be minimal anyway. 