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.
So I'm going to have to try and pay off the judgement or it'll just keep preventing me from getting a mortgage loan no matter if it falls off this october since it'll be 7yrs. Re: Help! old judgement killing me getting a mortgage loan. Judgments stay on your CR 7 years from the date filed. It is the SOL for collecting that is 10 - 20 years and yes, that can be renewed. Even if it is renewed it will only stay for 7 years.  Well, I have a judgement against me for $11,681 filled in October 2003. I lost my job and had a car go back to the bank, which they then sold, and put a judgement against me for the difference. I'm told that no one will touch me with that judgement and that when any attorney goes to close that will have to be paid off first. My credit scores are 670, 679, and 684.