Back in 2011, a section of the Dodd-Frank Act went into effect regarding rules for disclosing credit scores. It's been almost two years since then, and consumers are still learning the ins and outs of the nebulous world of credit reporting and scoring.

The final rules stipulated that creditors must disclose the credit score used to make a lending decision, along with information related to the score, if a consumer is denied or offered less-than-the-best terms.

This includes the range of possible credit scores under the model, four or five key factors that hurt the score, the date the score was created and the credit reporting agency that provided it.

As credit score disclosure notices are now the norm, here's what to know when looking one over.