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How does Personal Rating work? Edit
Personal Rating starts at 1500 when you create/join a new team. You can have different personal ratings on your different teams, which means that your 2vs2 personal rating can be completely difffent from your 5vs5 personal rating. The way it works is very similar to the Arena team rating; the difference is that personal rating is based ONLY on the fights in which you actually participate.
Lets say you have a 2vs2 team with 3 members, 2 DPSers and 1 healer. Usually the two DPS will take turns playing with the healer so they can each have at least 30% games played. In this case, you will notice that your healer's personal rating is higher than both of the DPSers' personal ratings, because s/he is actually playing 100% of the games while the DPSers only play a lesser percentage.
How do I use Personal Rating? Edit
Personal Rating is required to buy Arena Season 3 (shoulders/weapons) and Arena Season 4 items (all except gloves). You must have a certain personal rating as well as team rating in order to purchase some of the Season 3 and Season 4 rewards. However, you do not have to maintain these ratings to continue use of the item.