You don't have perfect credit
One way creditors can comply with the rules is by sending out a credit score disclosure to everyone who applies for credit, instead of just those consumers who get denied or receive unfavorable terms. That means if your FICO credit score is 800 and you received the best terms available, you could still get a free credit score.
What may surprise you is, despite your high score, the disclosure will list the four reasons your score isn't higher. Translation: You could do better.
"It's like saying you're super-awesome but not perfect," says Ulzheimer. "But that's OK because lenders don't require you to be perfect to get the best terms."