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.
Phaseolus vulgaris, the common bean (also known as the string bean, field bean, flageolet bean, French bean, garden bean, green bean, haricot bean, pop bean, or snap bean), is a herbaceous annual plant grown worldwide for its edible dry seed (known as just  beans ) or unripe fruit (green beans).into beans are named for their mottled skin. They are the most common bean in the United States and northwestern Mexico, and are most often eaten whole in broth or mashed and refried. Either whole or mashed, they are a common filling for burritos. The young pods may also be harvested and cooked as green pinto beans.