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.
Removing judgments from your credit score may be possible if you have paid the judgment. They will not come off automatically, but you should contact your creditor and have them file court documents indicating that the judgment is paid and also contact the credit reporting agency on your behalf.ime Frame. Judgments will stay on your credit report for seven to ten years from the date it was filed, whether you pay it or not. The time frame that it will remain depends on the statute of limitations in your state.