You can have multiple accounts, but the combined IRA and Roth IRA contributions for a tax year can't exceed the contribution limits for that year.Here's how the IRS puts it in Publication 590, Individual Retirement Accounts:Roth IRAs and traditional IRAs.
I am not sure how much, if at all, your FICO score will increase when the judgments fall off your credit report. Although not very common, under certain circumstances a judgment that has fallen off your credit report after 7 years can reappear. In addition to the 7-year credit reporting time period (CRTP), judgments also have a statute of limitations (SOL) on enforcement of the judgment.
Expiration of an Abstract Judgement. Dallas, TX | July 11, 2009 5:51pm. In a response to the 10 year judgement period, it was not made clear as to whether or not the judgement can still be enforced after the 10 year period has expired and no renewal has occurred since the judgement was ordered.