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.
For the decade after the judgment, the lien stays on the property unless it's paid off. At 10 years and one day, it disappears forever. There's no guarantee, though, that waiting 10 years will put an end to your lien problems.or the decade after the judgment, the lien stays on the property unless it's paid off. At 10 years and one day, it disappears forever. There's no guarantee, though, that waiting 10 years will put an end to your lien problems.