Do taxes and insurance appear as part of your monthly obligation on CR’s if you DON’T escrow them?

[CashOutReFi]

I've had two mortgages, and on both, I chose to escrow my taxes and homeowners. The full PITI payment amount appears as my monthly obligation on the big three CR's. 

My question is this - suppose I didn't - would the monthly payment on EX/TU/EQ consist of only principal and interest? 

[pizzadude]

Taxes and homeowner's insurance paid directly won't show on your reports, as they're not included in your monthly mortgage payment to your creditor.

[CashOutReFi]

This clarifies it for me. Many thanks! 

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@pizzadude wrote:

Taxes and homeowner's insurance paid directly won't show on your reports, as they're not included in your monthly mortgage payment to your creditor.

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