I suggest you focus on how much something affects your rating, rather than just on whether it does or not.

Who cares if something affects your credit score but only by 1 point out of a range of 850???

I see all too many people focused on whether something affects your credit score, not realizing that many things only affect it a tiny amount, and that there's likely a lot more "noise" in your credit score (slight variations up or down month to month) than the degree to which many of those things people worry about actually affect the credit score.