Many of these prepaid cards now report to major credit bureaus to help increase your credit score. This is a great feature that can help anyone who is in debt or has filed bankruptcy. Without a good credit score you may be rejected from loans and even employment.Just because you have bad credit is no reason to believe that you cannot afford to buy a home. You can get bad credit mortgages just about anywhere. The first thing you want to do is contact a mortgage broker and tell them about your bad credit. They will then know the vehicle that will work to get you in a loan. Even if you have a past bankruptcy, you can find a mortgage.