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.
How Long Will a Judgment Appear on My Credit Report? Under the Fair Credit Reporting Act (FCRA), a judgment can show up on your credit report for at least seven years. It can show up even longer, depending on how much time your state's laws give effect to that judgment. For example, if a judgment was filed against you in Arizona, it is good for five years. That means that even if the judgment isn't renewed, it can still show up on your creditor report for another two years. If a judgment was entered against you in California, it can show up on your credit report for ten years, or even 20 years if the creditor renewed it on time. (You can learn more about your credit report and the FCRA in our Credit Repair area.)