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.
Black beans are a protein and fiber packed source of carbohydrate that can contribute to your daily fiber needs. This makes them a good part of a healthy diet. In general, legumes are a very important food source in vegetarian diets as well because they provide plant-based protein and are a good source of iron.