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.
My mother had something similar. Actually it was a tax lien that had been paid off. I had to get a Certificate of Release. Maybe not the quite the same but I believe some of the steps would be the same. If you already have the Judgement release you would just Do a credit dispute with the credit bureaus. All of them you can do online now. Scan a copy of the judgement and attach to the online dispute. The credit bureau will take 30 days to investigate it.