I personally think the FICO score is a horrible way to determine credit worthiness. My wife has over 800 and I have a 750. We unfortunately are stuck playing the game for now until we no longer need credit to buy anything. Our goal for the future is to tear up our credit cards, we are already debt free, and pay off our mortgage. The only thing we will need credit for is a 15 year mortgage which we plan on going to an underwriter who doesn't use the FICO score to determine credit worthiness. The FICO score is stupid and is an "I love debt score". What doesn't make any sense about it is that if you don't use debt, but you have a high income, you don't have any debt except your house and you have a high net worth, your FICO score will be low. Does that make any sense??

Why would someone look to ask for other people's credit ratings?

You should have approached the question differently and asked for help to understand what your credit score means.