Honeybear is correct that even settled accounts stay on your credit file for6 years although you may be able to get some credit after 3/4years. Sorry.
Legumes, including beans, lentils, soybeans, peanuts and peas, are plants with seed pods that split in half. They are an inexpensive, nutritionally dense source of plant protein. Legumes may be counted as a vegetable or as a source of protein in the meat and bean group. Dried beans and food.
Aside from soy beans, all other forms of beans are soy-free. You might also hear of beans referred to as legumes. These foods have seeds inside a pod. All forms of beans contain high amounts of complex carbs, fiber and iron, and they have moderate amounts of protein.