Maybe you think you know all there is to know about your credit score. Don’t pay late; don’t have a slew of maxed-out cards. It’s true that those things are important, but credit scoring is a complicated process. There are many variables that go into that three-digit score, according to Barry Paperno, consumer affairs manager at MyFICO.com, the consumer site for credit scoring firm Fair Isaac Company. Here are a handful of factors even financially savvy people don’t generally realize have an affect on their score.