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.
When someone sues you, that does not go on your credit report, unless they later win their judgment against you. Credit reporting agencies usually and eventually find judgments, especially after judgment liens are recorded. It takes a while for a judgment to show up on your credit report. If you satisfy a judgment quickly, it may never show up on your credit report. Disputing a valid judgment will not do much good, because it is easy for your judgment creditor to verify the debt.