Here's a look at the 20 former Boise State football players in the NFL

By Chadd Cripe
ccripe@idahostatesman.com
? 2013 Idaho Statesman

There are 20 former Boise State football players on NFL rosters this preseason. Here is a look at each guy?s situation:

Jamar Taylor, Dolphins
Position: Cornerback
Number: 22
Year: Rookie
Notes: Taylor didn?t play in the preseason opener, so he?s not listed among the top six cornerbacks on the depth chart. He still is working his way back from a hernia. Here is an update.

Kyle Wilson, Jets
Position: Cornerback
Number: 20
Year: Fourth
Notes: Wilson, a former first-round pick, is the Jets? No. 3 cornerback. He likely will play slot cornerback but the Jets also are experimenting with using him as a safety. Here is a story.

George Iloka, Bengals
Position: Safety
Number: 43
Year: Second
Notes: Iloka is listed as the starting strong safety, ahead of Taylor Mays and Shawn Williams. This after playing little as a rookie. Here is a story that calls strong safety the most hotly contested job in Bengals camp.

Tommy Smith, Browns
Position: Linebacker
Number: 42
Year: Rookie
Notes: Free-agent signee is listed as the No. 3 left inside linebacker on espn.com. The Browns haven?t released a depth chart.

Billy Winn, Browns
Position: Defensive lineman
Number: 90
Year: Second
Notes: Winn had a terrific rookie season and is the backup left defensive end right now on a deep defensive line. Here is a story.

Ryan Clady, Broncos
Position: Left tackle
Number: 78
Year: Sixth
Notes: Clady just returned to the practice field as he recovers from offseason shoulder surgery. He also has a new contract ? five years, $52.5 million. Here is a story.

Tyler Shoemaker, Chiefs
Position: Wide receiver
Number: 14
Year: First (not considered a rookie because he was not in college last year)
Notes: Shoemaker is not listed among the top six receivers.

Tyrone Crawford, Cowboys
Position: Defensive lineman
Number: 98
Year: Second
Notes: Crawford will miss the entire season with a torn Achilles tendon. Here is an update.

Orlando Scandrick, Cowboys
Position: Cornerback
Number: 32
Year: Sixth
Notes: Scandrick is a backup cornerback and the slot corner. Here is an update. Odd that the first three Google news entries for Scandrick had to do with his house, a teammate?s trial and who he?s dating.

Shea McClellin, Bears
Position: Defensive end
Number: 99
Year: Second
Notes: McClellin is listed as a co-starter at left defensive end with Corey Wootton. McClellin has been scrutinized greatly since the day he was taken in the first round of the draft. Here is the latest from the Chicago Tribune.

Kellen Moore, Lions
Position: Quarterback
Number: 17
Year: Second
Notes: Moore should get a lot of playing time this preseason as he tries to stick on the roster as the No. 3 quarterback for the second straight year. Many teams only carry two quarterbacks. Here is a story on Moore?s progress since last year.

Chase Baker, Vikings
Position: Defensive tackle
Number: 62
Year: First
Notes: Baker was on the practice squad last year and is listed as the No. 3 nose tackle this year.

Richie Brockel, Panthers
Position: Tight end
Number: 47
Year: Third
Notes: Brockel is listed as the third tight end. He knocked the Bears? long snapper out of the game last week with a hit on special teams.

Chris Carr, Saints
Position: Cornerback
Number: 40
Year: Ninth
Notes: Carr was reunited with Rob Ryan, who was the defensive coordinator for the Raiders when Carr began his career there. Here is a story.

Doug Martin, Buccaneers
Position: Running back
Number: 22
Year: Second
Notes: Martin will be one of the most popular picks in fantasy drafts after his breakout rookie season. He also has become a leader for the Bucs already. Here is a story.

Daryn Colledge, Cardinals
Position: Right guard
Number: 71
Year: Eighth
Notes: Colledge switched sides of the line this season but remains an NFL starter. Here is a funny story about Colledge and Nate Potter (below) growing beards with their teammates on the O-line.

Nate Potter, Cardinals
Position: Offensive tackle
Number: 76
Year: Second
Notes: He is listed as the backup left tackle behind Levi Brown but it is considered an open competition between the two for the starting job. Here is a story about that competition.

Austin Pettis, Rams
Position: Wide receiver
Number: 18
Year: Third
Notes: He is listed as a backup wide receiver. He is the longest-tenured receiver or running back on the team. Here is that story.

D.J. Harper, 49ers
Position: Running back
Number: 36
Year: Rookie
Notes: Harper made a strong early impression with the 49ers ? story here ? but lost a fumble that was returned for a TD in last week?s game.

Jeron Johnson, Seahawks
Position: Safety
Number: 32
Year: Third
Notes: He is the backup strong safety.

Also:

Tommy Gallarda, Falcons
Gallarda was released after reaching an injury settlement because of a shoulder issue. Here is a story.

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Source: http://feedproxy.google.com/~r/IdahostatesmancomSports/~3/_yhlsEMymoM/

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Title: Rocky and Sandy Seafloor Offshore California

Description:

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Location: San Mateo County, CA, USA

Date Taken: 9/30/2013

Photographer: USGS , USGS

Usage: This image is public domain/of free use unless otherwise stated. Please refer to the USGS Copyright section for how to credit the photo.

Source:

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Dimensions: 3363 x 2295

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When will debt payoff show up on credit report?

Dear Credit Card Adviser,
How long would it take for our credit reports to reflect that we paid down most of our credit card bills and paid off one of our vehicles? We will soon be house hunting and want to lower our debt-to-income ratio. My mother-in-law just sold her house and will be using part of that money to help us. If those items get paid before the end of July, would it reflect on our credit reports immediately or would it take a 30-day cycle or more to show? Almost all of our credit lines are maxed out, so there's no doubt that paying a lot down before trying to get preapproved will help us get a decent interest rate.
-- Crystal

Dear Crystal,
Credit card issuers typically send updated balances to the credit reporting companies once a month, after the issuer has processed your payment for that billing cycle. That means if you paid off your credit card balances as they appear on your July statement, the balances won't show up as zero until August. Of course, that assumes you don't charge anymore on your cards after you pay off the balance.

Also, make sure to know the real balance by checking it online in real time. The statement's balance only reflects those charges made before the statement's closing date and won't capture any charges that occur afterward.

Paying off or reducing outstanding debt lowers your debt-to-income ratio and helps boost your credit score by lowering your utilization rate -- or the percentage of available credit that you use. Mortgage lenders use this, along with your credit score, to help determine the amount of credit and the interest rate you receive.

For your utilization rate, the key is to use 20 percent or less of your available credit on each card individually, as well?as combined. While a lower utilization rate helps, how much it will improve your credit score depends largely on the rest of your credit history.

This brings me to a second point. If you're interested in getting the best possible interest rate, paying off your debt is step one. You should pull your credit reports from Experian, TransUnion and Equifax and make sure your credit history is accurate. Consumers are entitled to a free credit report every 12 months from the credit bureaus. You should also consider quickly updating your credit history through a rapid rescore.

You may also want to consider purchasing a credit score from the credit bureaus. The packages typically include an analysis of your credit report that will show which factors are hurting your credit score the most. You may find out that your debt level is just one of several factors lowering your credit score. And to get the best interest rate possible on a mortgage, you may need to polish other areas of your financial life first.

Good luck!

Source: http://www.bankrate.com/finance/credit/debt-payoff-on-credit-report.aspx?pid=p:dls

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