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 Credit reports can contain errors that negatively impact a borrower's credit score. By obtaining their report early, borrowers can identify these errors and initiate the process of correcting them with the credit bureaus, potentially improving their score before a lender pulls their credit. 

A mortgage credit report provides a clear picture of a borrower's credit history, including their payment history, amounts owed, and length of credit history. This allows borrowers to understand their creditworthiness from the lender's perspective and identify areas where they can improve their credit profile. 

By understanding their credit situation, borrowers can make informed decisions about their mortgage application strategy. For example, they might choose to work on improving their credit score before applying for a loan or consider different loan options based on their credit profile. 

When a borrower has already obtained and reviewed their credit report, the mortgage application process can be streamlined, potentially saving time and accelerating the approval process. 

With a clear understanding of their creditworthiness, borrowers may be better positioned to negotiate more favorable loan terms, such as a lower interest rate or reduced fees, with their lender. 

A key advantage is avoiding the potential shock of a lender discovering negative information on a credit report that the borrower was unaware of. This can lead to loan denials or less favorable terms. 

Having a copy of the credit report allows borrowers to have more informed and productive conversations with their lender about their credit situation, fostering a more transparent and collaborative relationship.