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.
A judgment can stay on your credit report for 7 years, so if it hasnât aged off by now, it may be happening soon (the month it was filed does matter). You can contact Capital One to get proof that the debt was satisfied. Agreed Capital One should have the proof you need to get rid of it. judgment is a painful court order to pay a debt, and can arise from a lawsuit, a divorce, business dispute or an array of other possibilities. Judgments are public record.