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 can a Judgment Impact Your Credit Score? I had a judgment against me for a defaulted bank loan for $5,000 six years ago. There was nothing I could do to clear the debt because I was not in any position to make payments, and was looking forward to it disappearing from my credit report eventually.