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This post originally appeared on Go Banking Rates.

It’s a lot like being stuck in one big catch-22: Trying to improve poor credit, when you need good credit to improve poor credit, which can prevent you from obtaining good credit, can make for a confusing cycle that’s as utterly dizzying as it is frustrating.

If you’ve been faced with this never-ending conundrum, you’re not alone; according to Experian, out of 220 million Americans, 1 in 5 deal with bad credit. If you belong to this 20 percent of low FICO-scored folk, you’ve undoubtedly asked yourself this simple question: How is a person supposed to improve their credit when it takes good credit to use most of the…………… continues on Business Insider