As a listing Realtor I will not encourage a seller to consider prospective buyers offer without a Lender's Pre-Approval Letter and valid Buyers Proof of Funds. When you receive a Pre-Approval credit report with buyers FICO score is required in Pre-Approval process. The Pre-Approval is valid for X number of days. Therefore, buyers are not running their own credit report each time they make an offer that information is inclusive in the Buyer's Pre-Approval from Lender. Hope this information helpful.
Gail Mercedes Cole