Clarification around Funds and Income

[MysticWolf]

Hi everyone,

I submitted all application docs in early August for an express entry as graphic designer and still didn't hear a word.

I’ve realized that while I provided proof of funds (more than enough set aside for Canada), my bank didn’t specify that I have no outstanding debts, nor my statement for the last 6 months - Should I sent an updated document?

Also, I gave a letter for my main accounts but didn't give one for my several others (professional) which are for receiving international payments from clients, also all debt-free. Should I ?

Also, my savings come from the sale of a property, and with this stability, I intentionally reduced my work load from June to September to focus on big life changes, including processing the loss of my parents, two close friends, and a divorce (life sucks).

Now I’m feeling anxious – should I justify my fluctuating income or they only care about my savings and debt-free status? Could the current low earnings from this period affect my visa application?

Any advice is much appreciated!

 

[iSaidGoodDay]

Hi everyone,

I submitted all application docs in early August for an express entry as graphic designer and still didn't hear a word.

I’ve realized that while I provided proof of funds (more than enough set aside for Canada), my bank didn’t specify that I have no outstanding debts, nor my statement for the last 6 months - Should I sent an updated document?

Also, I gave a letter for my main accounts but didn't give one for my several others (professional) which are for receiving international payments from clients, also all debt-free. Should I ?

Also, my savings come from the sale of a property, and with this stability, I intentionally reduced my work load from June to September to focus on big life changes, including processing the loss of my parents, two close friends, and a divorce (life sucks).

Now I’m feeling anxious – should I justify my fluctuating income or they only care about my savings and debt-free status? Could the current low earnings from this period affect my visa application?

Any advice is much appreciated!

You can provide an updated PoF if the debt wasn't even codified. My PoF didn't specifically said zero debt, but had a code for zero debt (from what my banker told me). Usually IRCC will call and confirm everything with your bank. Your low earnings won't impact your visa application as long as you satisfy the PoF requirement.