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.
You are correct that your credit will be affected by the judgment remaining on your credit report. FICO considers a judgment as a negative, whether it is paid or unpaid. However, the judgment will have less negative impact as it ages. Because your judgment is now six years old, it may not be affecting your credit as much as it did when it was first entered. More recent positive information included on your credit report will help to bump up your credit score.