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.
1  Beans are an inexpensive and excellent source of low-fat (or no-fat) protein.  2  They also contain vitamins, minerals (such as iron), carbohydrates, and antioxidants. 3  They're cholesterol-free and contain little or no fat.  4 They're high in dietary fiber. 5  Most common ones have about 5-8 grams per 1/2 cup.