I've used this for about 3 years. There's no noticeable dirt, but there are scratches on both the outside and inside. From the product website: -------- Bill compartment and 4 card holders The bill compartment has a gusset for smooth insertion and removal of bills. You can store 4 cards in the back. Interior = Bill compartment x 1, Card holders x 10, Free pockets x 3 -------- Please refrain from purchasing if you are concerned about minor details, as it has been stored at home.