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.
Usually, a judgment requires you to pay damages. This could be due to unpaid debt, child support, or even alimony. Judgments typically stay on your credit report for seven years from the filing date, regardless of how you take care of the payments (you have several options, which weâll discuss next). The enforceable period, on the other hand, lasts anywhere between 10 and 20 years depending on what state you live in.