If you’re hunting for a house and a mortgage, you’ve probably heard that your credit score will affect your buying power big-time, because lenders use your credit score to determine whether to give you a loan, and at what rate.

Odds are you also know that your credit score will suffer badly if you make credit card payments late, or miss them entirely. So as long as you’re current on those payments you should be fine, right?

Not exactly. Thing is, credit scores are tallied using a whole slew of factors, and they aren’t always as straightforward as whether you’ve paid your bills. Just so you’re clued in to these surprising credit score saboteurs, check out this list to make sure you aren’t destroying your home-buying odds without even knowing it.

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