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Do certain mortgage lenders use certain credit agencies

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Hi all,
Started a new thread for a different bit of advice needed. Basically looking for a mortgage and have certain things in my credit history. Experian gives me the best score as there are 2 loans not showing on there. Credit karma shows me in the worst light as it has these other 2 payday loans that were in an arrangement.
My question is are there lenders that would just use Experian or would any mortgage lender check all 3 and see all the history?
Thanks for any help or advice in advance

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