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.
In most states, judgments are good for at least 10 years (some 20 years) and can be renewed. Even if the judgment comes off your credit report, that doesn't mean that the judgment is not valid.n most states, judgments are good for at least 10 years (some 20 years) and can be renewed. Even if the judgment comes off your credit report, that doesn't mean that the judgment is not valid.