If your property taxes & insurance are escrowed, the monthly payment showing on your credit report will usually include those amounts. Whereas, if you choose not to escrow them, your credit report will often only reflect your principal & interest portion of the mortgage. In high-cost areas, that difference can easily be $1,000 per month - which can make a real impact on your debt-to-income ratio when applying for auto loans, personal loans, or other financing. | Reanna McGovern (Walls)