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.
Civil judgments also have to be dropped after seven years unless your state has a longer statute of limitations; in that case, the judgment can be reported until the statute expires. California's statute of limitations for judgments is 10 years. If none of those negative marks shows on your reports and you've handled credit responsibly since then, your credit scores (you have more than one) may well be excellent.