Most buy-now-pay-later plans still do not show on your credit report, but underwriters can see them on your bank statements and are allowed to count them. Because the plans generally are not reported to the bureaus, they do not move your credit score the way a card or loan does. They are far from invisible, though. When a lender reviews your bank statements, a cluster of small recurring withdrawals to buy-now-pay-later services catches an underwriter's eye, and they can ask about it. If those payments look like a recurring obligation, they can be counted in your debt-to-income ratio like any other monthly payment. The practical guidance is simple: treat buy-now-pay-later like the debt it is once you are heading toward a mortgage. - A few small plans winding down are unlikely to matter. - A stack of active plans hitting your statements every month can raise questions and eat into your qualifying ratios at the same time. Clearing them out ahead of time beats explaining them during underwriting. If you are unsure how your statements would read to an underwriter, we can look at them with you before you apply.