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.
Good job. and hey, you used a big word! Exegesis. Welcome to the world of maturity. edit: Resurrection and immediate death is not exactly the theory behind judgement day. if you are going to tell me what I believe, please state the facts correctly. If you state anything else, you are dishonoring yourself and the god you worship.